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Mary invests R2000 at a bank with an interest rate of 5% p.a. Three years later, Mary adds R7000 to her investment. When she adds R7000, the interest rate changes to 15% p.a. What is the total interest earned on her investment if she withdraws all the money from the investment 2 years after adding R7000?

a) R7000
b) R7500
c) R8000
d) R8500

1 Answer

6 votes

Final answer:

Mary earns R300 in interest in the first three years at 5% p.a., and after adding R7000 and changing the interest rate to 15% p.a., she earns R2790 over the next two years. The total interest Mary earns is R3090, a result that does not match any of the provided answer choices.

Step-by-step explanation:

The question we are addressing is: What is the total interest earned on Mary's investment if she withdraws all the money from the investment 2 years after adding R7000, with an initial interest rate of 5% p.a. for three years, which then changes to 15% p.a.?

First, we need to calculate the interest Mary earns in the first three years on her initial R2000 at 5% per annum. Using the simple interest formula, Interest = Principal × Rate × Time, we get:

Interest = R2000 × 5% × 3

Interest = R2000 × 0.05 × 3 = R300

After three years, Mary adds R7000 to her account, which now has a total of R2000 + R300 + R7000 = R9300. The new interest rate is 15% per annum, which will be in effect for the next 2 years. So the interest for the next 2 years will be:

Interest = R9300 × 15% × 2

Interest = R9300 × 0.15 × 2 = R2790

Total interest earned over 5 years is the sum of interest from both periods:

Total Interest = R300 + R2790 = R3090

However, none of the options provided (a) R7000, (b) R7500, (c) R8000, or (d) R8500, match the correct calculation of R3090. Therefore, there seems to be a discrepancy in the provided answer choices. Mary actually earns a total of R3090 in interest.

User Mark Micallef
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