If you need $300,000 in 10 years, how much do need to invest quarterly at 4.0% ? Question 4 If you put $3,000 per year into an account bearing 5.0% interest, how much will you have after 25 years? You wish to retire in 40 years. At that time, you want to have enough to provide for an income of $85,000 per year for 20 years. How much will you need to invest per year for those 40 years to reach that goal? Assume annual compounding and an average rate of 7.0%