You just received a nice bonus of 15 000 . You want to save it in order to buy this awesome vintage electric guitar (a 1954 - Gibson - Les Paul Standard) which costs about 30 000 . You have access to a risk-free investment giving an annual return of 12% (yes you are a very gifted portfolio manager!). How long will it be before you have enough money for the guitar of your dream? A little bit less than 2 years. A little bit less than 5 years. A little bit more than 6 years. A little bit more than 9 years