3 pe If you invest $20,000 today for 10 years at an annual interest rate of 5% with semi- annual compounding, at the end of 10 years you will have: about $76,150 about $140,800 O about $32,870 more money than even Han Solo can imagine about $32,775 about $32,575 Question 12 3 pts What is the effective annual rate (EFF/EAR) of an investment that pays 16% compounded quarterly? 4.0% 16.0% 16.25% 16.99% Question 13 2 pts The future value of $4,000 invested at the end of each year for 15 years at 9% is approximately $117,444. If you make the investment at the beginning of each year instead of the end, the future value would be: approximately $121,804 the same approximately $107.744 approximately $128.014 0 0 approximately $121,444