You will retire after 12 years and currently have $ 50,000 in a savings account that has an interest rate of 15% per annum and $ 100,000 in shares that have a yield (real interest rate) of 10%. If you expected to add $ 30,000 each year to your stock portfolio, how much money would you have raised in total at the end of 12 years? What will be the interest rate you will receive from this income if you withdraw $ 102,000 annually for 15 years until you retire?