You have just made your first $5,000 contribution to your individual retirement account. Assume you ear an annual return of 1.25 percent and make no additional contributions. a. What will your account be worth when you retire in 40 years? Note: Do not found intermediate calculations and round your answer to 2 decimal places, ag. 32.16. Is. What if you walt 10 years before contributing? Note: Do not found intermediate calculations and round your answer to 2 decimal places, ag. 32.16.