Appendix A

Appendix C

Appendix D

You contribute $1,000 annually to a retirement account for nine years and stop making payments at the age of 40 . Your twin brother (or sister... whichever applies) opens an account at age 40 and contributes $1,000 a year until retirement at age 65 (25 years). You both earn 9 percent on your investments. How much can each of you withdraw for 15 years (that is, ages 66 through 80) from the retirement accounts? Use Appendix A, Appendix C, and Appendix D to answer the question. Round your answers to the nearest dollar. You can withdraw $ Your twin can withdraw \$ Interest Factors for the Present Value of an Annuitv of One Dollar Interest Factors for the Future Value of One Dollar Interest Factors for the Future Value of an Annuity of One Dollar \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline TimePeriod(eg-year) & 1% & 2% & 3x & 45 & 5% & 6% & 7x & & 9% & 10% & 12% & & 16% & 20% \\ \hline 1 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 \\ \hline 2 & 2.010 & 2.020 & 2.030 & 2.040 & 2.050 & 2.060 & 2.070 & 2.080 & 2.090 & 2.100 & 2.120 & 2.140 & 2.160 & 2.200 \\ \hline 3 & 3,030 & 3.060 & 3.091 & 3.122 & 3.152 & 3.184 & 3.215 & 3.246 & 3.278 & 3.310 & 3.374 & 3.440 & 3.506 & 3.640 \\ \hline 4 & 4.060 & 4.122 & 4,184 & 4.246 & 4.310 & 4.375 & 4.440 & 4.506 & 4.573 & 4.641 & 4.770 & 4.921 & 5.067 & 5.368 \\ \hline 5 & 5.101 & 5.204 & 5.309 & 5.416 & 5.526 & 5.637 & 5.751 & 5.867 & 5.985 & 6.105 & 6.353 & 6.610 & 6.877 & 7.442 \\ \hline 6 & 6.152 & 6.308 & 6.468 & 6.633 & 6.802 & 6.975 & 7.153 & 7,336 & 7.523 & 7.716 & 8.115 & 8.536 & 8.978 & 9930 \\ \hline 7 & 7.214 & 7.434 & 7.662 & 7.898 & 8.142 & 8.394 & 8.654 & 8.923 & 9.200 & 9.487 & 10.089 & 10.730 & 11.413 & 12915 \\ \hline 8 & 8.286 & 8.583 & 8.892 & 9.214 & 9.549 & .9 .897 & 10.260 & 10.637 & 11.028 & 11.436 & 12.300 & 13.233 & 14.240 & 16.499 \\ \hline 9 & 9,369 & 9.755 & 10.159 & 10.583 & 11.027 & 11,491 & 11978 & 12.488 & 13,021 & 13.579 & 14.776 & 16.085 & 17.518 & 20.798 \\ \hline 10 & 10.462 & 10.950 & 11.464 & 12.006 & 12.578 & 13.181 & 13.816 & 14.487 & 15.193 & 15.937 & 17.549 & 19.337 & 21.321 & 25958 \\ \hline 11 & 11.567 & 12.169 & 12.808 & 13.486 & 14.207 & 14.972 & 15,784 & 16.645 & 17.560 & 18.531 & 20.655 & 23.044 & 25.732 & 32.150 \\ \hline 12 & 12.683 & 13.412 & 14.192 & 15.026 & 15.917 & 16.870 & 17.888 & 18.977 & 20.141 & 21.384 & 24.138 & 27.271 & 30.850 & 39.580 \\ \hline 13 & 13.809 & 14.680 & 15.618 & 16.627 & 17.713 & 18.882 & 20,141 & 21.495 & 22.953 & 24.523 & 28.029 & 32.089 & 36.786 & 48.496 \\ \hline 14 & 14.947 & 15.974 & 17.086 & 18.292 & 19.599 & 21.051 & 22.550 & 24.215 & 26.019 & 27.975 & 32.393 & 37.581 & 43.672 & 59,195 \\ \hline 15 & 16.097 & 17.293 & 18.599 & 20.024 & 21.579 & 23.276 & 25.129 & 27.152 & 29.361 & 31.772 & 37.280 & 43,842 & 51.659 & 72.035 \\ \hline 16 & 17.258 & 18.639 & 20.157 & 21.825 & 23.657 & 25.673 & 27.888 & 30.324 & 33.003 & 35.950 & 42.753 & 50.980 & 60925 & 87.442 \\ \hline 17 & 18.430 & 20.012 & 21.762 & 23.698 & 25.840 & 28.213 & 30.840 & 33.750 & 36.974 & 40.545 & 48.884 & 59.118 & 71.673 & 10593 \\ \hline 18 & 19.615 & 21.412 & 23.414 & 25.645 & 28.132 & 30.906 & 33.999 & 37.450 & 41.301 & 45.599 & 55.750 & 68.934 & 84.140 & 128.11 \\ \hline 19 & 20.811 & 22.841 & 25.117 & 27.671 & 30.539 & 33.760 & 37.379 & 41.446 & 46.018 & 51.159 & 63.440 & 78.969 & 98.603 & 154.74 \\ \hline 20 & 22.019 & 24.297 & 26.870 & 29.778 & 33.066 & 36.786 & 40.995 & 45.762 & 51.160 & 57.275 & 72.052 & 91.025 & 115370 & 186.68 \\ \hline 25 & 28.243 & 32.030 & 36.459 & 41.646 & 47.727 & 54.865 & 63.249 & 73.106 & 84.701 & 98.347 & 133.33 & 181.87 & 249.210 & 47198 \\ \hline 30 & 34.785 & 40.568 & 47.575 & 56.085 & 66,439 & 79.058 & 94.461 & 113,283 & 136.308 & 164.494 & 241.333 & 356.878 & 530310 & 1181.8 \\ \hline \end{tabular}