Mr Ahmed has been given two options by his company as he has recently changed his city to join the required position. Take a settlement allowance of Rs 800,000 today or take Rs 1,000,000 after four years. If he takes the amount today he has an option of investing it at the rate of 6% compounded annually. Advice Mr Ahmed that what decision he must take. If he takes the amount of 1,000,000 , do you agree this to be the wise decision?