You want to save $100 a year for 3 years and hope to earn an average rate of return of 6%. How much will you have at the end of the 3 years if you invest your money at the beginning of each year? 6. You want to save $100 a year for 3 years and hope to earn an average rate of return of 6%. How much will you have at the end of the 3 years if you invest your money at the end of each year? 7