In fund X$,100,000$ is invested at a nominal annual interest rate j convertible semiannually.

After four years, it will accumulate $214,358\mathrm{.}88.$

In fund Y $,100,000$ is invested at a nominal annual discount rate k$,$ convertible three times a year.

m$,$ convertible on a three$-$year basis. After two years, it will accumulate $232,305\mathrm{.}73.$

An investment is made, in fund Z for $100,000,$ under an effective annual interest rate j

in the first two years, and at an effective annual discount rate k in the next three years.

Calculate the investment value of the fund Z at the end of the fifth year.