Suppose you currently have $$22,000$ to invest in your retirement account, and you hope to have $$4,000,000$ by the time you retire in $42$ years. What rate of return must you earn to reach your savings goal?

$12\mathrm{.}1\%$

$13\mathrm{.}2\%$

$16\mathrm{.}5\%$

$10\mathrm{.}8\%$