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Michael invests $2000 in an annuity that offers an interest rate of 4% compounded quarterly for 5 years. What is the value of Michael's investment after 5 years?

a. $2102.02
b. $4382.25
c. $2433.31
d. $2440.38

1 Answer

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Final answer:

Using the compound interest formula for an investment compounded quarterly, Michael's $2000 annuity investment at an interest rate of 4% for 5 years will grow to $2433.31.

Step-by-step explanation:

To determine the value of Michael's annuity investment after 5 years, we need to apply the formula for compound interest. Since the interest is compounded quarterly, we will use the formula A = P(1 + r/n)nt, where:

P is the principal amount ($2000).
  • r is the annual interest rate (4%, or 0.04).
  • n is the number of times the interest is compounded per year (4, for quarterly).
  • t is the time the money is invested for (5 years).

Plugging the values into the formula, we get:

A = 2000(1 + 0.04/4)4*5 = 2000(1 + 0.01)20 = 2000 * 1.0120

After calculating the above, we find that the value of the investment after 5 years is $2433.31, which matches option c.

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