Section 3.8:Varving Interest 14. Find the Accumulated Value of payments of $900 at the beginning of each year for 9 years if interest is 5% for the first 5 years and 4% for the last 4 years (ie, this is the portfolio rate method). 15. Find the Accumulated Value of payments of $900 at the beginning of each year for 9 years if the first 5 payments are invested at an interest rate of 5% and the last 4 payments are invested at an interest rate of4% (ie. this is the yield curve method). 12