Future Value of Annuity. YOU plan to retire 25 years from now. To provide for that retirement, you initiate an aggressive savings program of 45% of your post-tax salary. You are currently earning $70,000 per year post-tax. The amount that you save each year will be placed in an investment yielding 10 percent annually. What will the value of the fund be at the beginning of the retirement period? Present Value of Annuity. You want to retire soon. When you finally retire, you want your investments to provide you with an income of $160,000 each year for the next 45 years. If the annual interest rate guaranteed to be 8 percent or higher, what is the present value of that stream of payments (or how much of a deposit do you need to get that payment amount per year)