Richard saves money by investing 5% of his salary in his individual retirement account. Which of the following best describes how his investment will grow over the next 30 years? ⊝ His investment will most likely be worth very little more than he invested in deposits over the 30 years.

⊝ His investment will most likely be worth exactly what he deposited over the 30 years.

⊝ His investment will most likely be worth a lot more than he invested in deposits over the 30 years.

⊝ His investment will most likely be worth less than he invested in deposits over the 30 years.