The person who will earn the largest amount of money invested based on the annual rate of return given is Jim.
The annual rate of return is computed by taking the amount that's gained or lost at the end of a fiscal year which is then divided by the initial investment given.
From the complete question, the individual who will earn the largest amount of money invested at an annual rate of return of 9% will be Jim.
In this case, he saves $1200 for the first 14 years and then stops putting money into the account for the next 28 years.
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