Al Darby wants to withdraw $21600 (including principal) from an investment fund at the end of each year for five years. How should he compute his required initial investment at the beginning of the first year if the fund earns 10% compounded annually? $21600 times the future value of a 5-year 10% ordinary annuity of 1. $21600 divided by the present value of a 5-year, 10% ordinary annuity of 1. $21600 divided by the future value of a 5 year, 10% ordinary annuity of 1. $21600 times the present value of a 5-year, 10% ordinary annuity of 1