You are planning to save for retirement over the next 35 years To do this. You will invest $710 a month in a stock account and $310 a month in a bond account The return of the stock account is expected to be 9.1 percent, and the bond account will pay 5.1 percent. When you retire, you will combine your money into an account with a return of 6.1 percent. How much can you withdraw each month from your account assuming a 30-year withdrawal period