IN381_03F How much do you need to invest to receive monthly payments of $3,000 for 20 years if you invest your money in an account that guarantees an annual return of 5% per year? Select one: a. Less than $390,000 b. Between $390,000 and $410,000 c. between $410,000 and $430,000 d. Between $430,000 and $450,000 e. Greater than $450,000