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4. Future Values. (a) The future value of lump-sum investment of $4,000 in four years that earns 6 percent. IN PV I/Y 6 -4,000 PMT 0 FV (compute) (b) The future value of $1,500 saved each year for three years that earns 6 percent. IN 3 1/Y 6 PV 0 PMT - 1,500 FV (compute) (c) A person who invests $1,200 each year finds one choice that is expected to pay 3 percent per year and another choice that may pay 4 percent. What is the difference in return if the investment is made for four years? IN 4 4 4 I/Y 3 PV 0 PMT - 1,200 FV (compute) 0 - 1,200 (d) The amount a person would need to deposit today with a 5 percent interest rate to have $2,000 in three years. IN 3 I/Y 5 PV (compute) PMT 0 FV 2,000