You wish to retire in 9 years and currently have $40,000 in a savings account yielding percent annually and $120,000 in quality "blue chip" stocks yielding 9 percent. If you expect to add $40,000 at the end of each year to your stock portfolios, how much will you have in your retirement fund when you retire? Use Appendix A and Appendix C to answer the question. Round your answer to the nearest dollar. $ What rate of return must you earn on your retirement funds if you want to withdraw $98,000 per year for the next 14 years after retiring? Use Appendix D to answer the question. Round your answer to the nearest whole number. %