YOUR CLIENT STARTS INVESTING IMMEDIATELY FOR 15 YEARS ANNUALLY RS 80000 IN THE RATIO OF 70:30 IN EQUITY AND DEBT PRODUCTS . YOU EXPECT RETURN FROM EQUITY AND DEBT to be 12% and 8.5% P.A DURING THIS PERIOD . TO PROTECT THE WEALTH , HE REBALANCES THE PORTFOLIO 40:60 RATIO OF EQUITY AND DEBT AFTER 15 YEARS AND INVESTS IN THE SAME RATIO ANNUALLY RS 80000 FOR NEXT 5 YEARS . THE RETURN EXPECTED FROM EQUITY AND DEBT IN THIS PERIOD IS 95 P.A AND 8% P.A . WHAT RATE OF RETURN IS EXPECTED ON HIS TOTAL INVESTMENTS ? HOW WOULD THIS RETURN FARE WHEN SEEN FROM AVERAGE INFLATION OF 5% DURING THE ENTIRE PERIOD