You are looking to save for retirement and would like to invest in an investment fund with a beta of 0.8. You can deposit $9,000 per year starting next year into your Roth IRA (your retirement account in which you pay no taxes) which you will invest in this investment fund and will make a total of 40 yearly deposits. After you make the 40th deposit, you will retire. If the risk free rate is 3% and the expected excess return on the market is 5.5%, how much money do you expect you will have on retirement?