Down Payment Scenario. A couple has a total of $12,000 in various stock and bond mutual fund investments. They are saving for a down payment on a condo. The return on their investment is expected to be 5.0% annually. 4. How much will the couple have at the end of 4 years, if they make no additional investments? 5. How much would the couple need to invest each year to have $40,000 at the end of 4 years, if they make the first annual investment today? 6. How much will the couple need to invest each year, if they make the first investment a year from now