document.write( "<A HREF=/cgi-bin/jump-to-question.mpl?question=1198886>Question 1198886</A>: <I><SPAN STYLE=\"word-break: break-all;\"> The formulas we have been using assume that the interest rate is constant over the period in question. Over a period of 40 years, though, interest rates can vary widely. To see what difference the interest rate can make, let’s assume a constant APR of 4% for your retirement account. How much do you need your employer to deposit each month under this assumption?\r<BR>\n" );
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document.write( "Employer Contribution = </SPAN>\n" );
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