You are looking to save for retirement and would like to invest in an investment fund with a beta of 0.9 and an alpha of 0%. You can deposit $8,000 per year starting next year into your Roth IRA which you will invest in this investment fund and will make a total of 40 yearly deposits. After you make the 40th deposit, you will retire. If the risk-free rate is 3% and the expected return on the market 9%, how much money will you have on retirement?