You decided that it's time to start saving for your retirement. to do this, over the next 25 years you will invest $1,000 a month in a stock account and $700 a month in a bond account. the return of the stock account is expected to be 11 percent, and the bond account will pay 7 percent. when you retire, you will combine the accumulated money from both accounts into one account with a 10 percent return.