a. An investor has a choice of two 15-year savings plans, A and B, issued by a company. In both plans, the investor pays contributions of RM100 at the start of each month and the contributions accumulate at an effective rate of interest of 4% per annum before any allowance is made for expenses. In plan A, the company charges for expenses by deducting 1% from the annual effective rate of return. In plan B, the company charges for expenses by deducting RM15 from each of the first year's monthly contributions before they are invested. In addition, it deducts 0.3% from the annual effective rate of return. Calculate the percentage by which the accumulated amount in Plan B is greater than the accumulated amount in Plan A, at the end of the 15 years. a. An investor has a choice of two 15-year savings plans, A and B, issued by a company. In both plans, the investor pays contributions of RM100 at the start of each month and the contributions accumulate at an effective rate of interest of 4% per annum before any allowance is made for expenses. In plan A, the company charges for expenses by deducting 1% from the annual effective rate of return. In plan B, the company charges for expenses by deducting RM15 from each of the first year's monthly contributions before they are invested. In addition, it deducts 0.3% from the annual effective rate of return. Calculate the percentage by which the accumulated amount in Plan B is greater than the accumulated amount in Plan A, at the end of the 15 years