You have been very risky with your investments but, having just turned 50 years of age, your investment adviser suggests you reallocate to reduce your risk. He advises you that your returns will be lower but it would be a wise move. You have $236 000 saved and wish to retire with $300 000. When will you be able to achieve this if the return is now 5.5 percent compounded monthly?

		In 4.37 years
		In 1.3 years
		In 5.5 years
		In 9.91 years