illvested at 5 % compounded quarterly for 3 years 12. How much would Brian need to deposit into his account now to have $4,000 in 6 years if the account earns 5.2% interest compounded quarterly? 13. You open a savings annuity when you begin your career and deposit $150 each month until you retire 30 years later. If your IRA earns 41/2% interest, how much will you have in your account when you retire? How much of that is interest earned? 14. John invests $250 each quarter into an account that earns 3.6%