Suppose our investor earns a 10% per year rate of interest on bonds and a 15% per year return on stocks, with all earnings reinvested. In five years, she will withdraw all her funds and spend them. By how much will she increase her final accumulation if she shifts all bonds into the retirement account and holds all stocks outside the retirement account? Assume the tax rate on interest income as well as the tax rate on ordinary income is 28%, while the tax rate on capital gains is 15%. Also assume that equity income is entirely in the form of capital gains, on which taxes are not paid until the investor cashes in the fund in five years.