Miriam lives at home with her mother, father, and sister. She recently started a job and is planning to move into her own flat. She wants to buy a flat four years from now, knowing that she will need a deposit of at least 10,000 in order to do so. Miriam has just received a sum of 2,000 from her grandfathers will, which she has deposited in a savings account.

2.5 If Miriam uses all her savings and saves 120 per month, what rate of return will she need to reach her target of 10,000 after four years?