Option #$3$: Put aside a lump sum today, at $8\%$ interest compounded annually for $10$ years, at which point the account balance in the $10$th year reinvests in another account over next $10$ years $($specific amount for this account is withdrawn and reinvested in another account every year$)$ at $10\%$ interest compounded annually. The first account stops earning interest at the end of $10$th year.