You put $6,500 into a Roth IRA and invest everything in a corporate bond fund. The fund has an annual expense ratio of 1.5%. Your expected annual return is 8.5%, your current tax rate is 35%, and you expect your tax rate in retirement to be 25%. The long-term capital gains rate is 15% and the short-term capital gains rate is 35%. What is the after-tax future value of your investment in 20 years?