You are saving for retirement and have decicled that you will need $$1$ million when you retire in $20$ years. You have $$100,000$ today. Over the next $15$ years, you will invest in a fund that will earn $11\%$ per year. At the end of $15$ years, you will transter your investment to a new fund. What annualized peturn does the new fund need to earn, so that you can reach your Retirement goal?