You will work and save for $25$ years prior to retirement.

$$ You will live in retirement for $30$ years. Any leftover funds after the $30$ retirement years will

be donated to charity.

$$ During your $25$ years of savings, you will invest in an aggressive mutual fund for the first $15$

years, and then shift your money to a safer conservative fund for the last $10$ years. Assume

that the number of years in each fund is a choice you can adjust.

$$ The aggressive fund will return $15\%$ per year on average, while the conservative fund will

return $7\%$ on average.

$$ You will have an initial