12. You save $30,000 every year for 20 years with your retirement plan. If the interest rate is 3%, how much money can you receive from this plan when you retire? (future value annuity) | 13. You would like to establish a trust fund that would pay annual payments to your heirs of $500,000 a year forever. You expect the trust fund to earn an average return of 4 percent. How much do you need to deposit into this trust fund today to achieve your goal? (perpetuity)