Sharmaine is 25 years of age and just received an inheritance from her parent's long-term business. She plans to invest a money today such that she can receive 3,000 pesos at the end of every month for 20 years when she retires at age 65. If she can earn 9% compounded annually until age 65 and then 5% compounded annually when the fund is paying out, how much money must she invest today?