Julia sold her business for $550,000 today which she then invests in the following:

25% in Stock, for which she receives a 4% dividend each year (so, 4% of the total value of her stock holdings she receives as income)

35% in Bonds, for which she receives a 6% annual coupon payment (every six months - or 3% every six months)

20% in Healthcare Group, which pays out $10,000 in Year 1, growing 4% each year

20% in a Farm, which pays out $40,000 in Year 10.

Over the next 15 years, calculate the NPV and IRR of the combined projects?