On Jan $1$st $2023,$ you decided to invest $$40,000$ in Stocks and Mutual Funds $($follow the

percentage in Row $7).$ This investment grows each year, but the growth rate is variable

$($Rows $8$ and $9$ give the ranges$).$ For example, the return from Stocks can be anything

between $-3\mathrm{.}55\%$ to $8\mathrm{.}75\%.$ Use RATE function to determine your effective return over

these $21$ years.

How to solve this Finance problem. Kindly explain with steps