please answer the question in detail. thanks

1. Mr. X puts money in two investment opportunities. The first investment brings VND 1 million at the end of each year in 5 years. The second opportunity provides him with VND 2 million at the end of each year in the first 3 years and VND 3 million in 2 years later. If the interest rate is kept constant at 10% per year, how much money will Mr.X receive after 5 years? a. VND 18.315 million b. VND 24.420 million c. VND 14.940 million d. VND 20.415 million