Assume you have a total of $$40,500$ to invest and want to receive an annuity of $$5,400$ for $20$ years.

What interest rate do you have to earn on the $$40,500$ investment in order to receive the annual payments? $($Round your answer to $2$ decimal places. For example, enter $\mathrm{.}1234$ as $12\mathrm{.}34)$