4) Charlie who is currently working is saving Rs. 30,000 per month and investing in a policy of 10 years which will give him annual return of 12%. After investing for 10 years the policy will give annual return of 10% for next five years; after which Charlie can get Annual payments from the policy every year after retirement. What will be the annual payments he will get after 15 years supposing that the payments will be available annually for 10 years after retirement at the same annual compounded interest of 10%