Find the average return over the last ten years on a mutal fund of your choice. Use that average return to see what your investment account would look like if you had invested 1,000 for 5, 10, 15, 20, 25, 30, 35 and 40 years compounded quarterly. Is there a point at which your investment appears to grow more quickly? What can you conclude about the affect of time on your retirement plans?