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You are investing for retirement starting at age 25. You invest $10,000 per year. During years 1-30 your investments earn 15% per year.   During years 31-40 you move to more conservative estimates earning 5% per year. How much will you have saved when you retire at age 65?   Assume investments occur at the beginning of each year. What is the IRR of this investment stream? In excel functions

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