Assume you are 25 years old and you are professionaly employed. You are approached by two investment providers. Investment provider A guarantees you an annual payment of 400000 Rand (at current value) post retirement age of 65, increasing at a rate of 3% for 20 years after retirement age. Investment provider B guarantees you an annual payment of 450000 Rand (at current value) post retirement age of 65, increasing at a rate of 3% for 15 years after retirement age.