Chris+invests+15,000+in+a+retirement+account+with+an+annual+compound+interest+rate+of+3.4.+Find+the+total+amount+of+the+investment+after+27+years

1. $13,770.00
2. $28,770.00
3. $36,995.24
4. $21,995.24

1 answer

To calculate the total amount of an investment after a certain number of years with compound interest, you can use the formula:

\[ A = P(1 + r/n)^{nt} \]

Where:

  • \(A\) is the amount of money accumulated after n years, including interest.
  • \(P\) is the principal amount (the initial amount of money).
  • \(r\) is the annual interest rate (decimal).
  • \(n\) is the number of times that interest is compounded per year.
  • \(t\) is the time in years.

In this case:

  • \(P = 15,000\)
  • \(r = 3.4% = 0.034\)
  • Assume that interest is compounded annually, so \(n = 1\).
  • \(t = 27\)

Now, substituting these values into the formula:

\[ A = 15000 \left(1 + \frac{0.034}{1}\right)^{1 \times 27} \] \[ A = 15000 \left(1 + 0.034\right)^{27} \] \[ A = 15000 \left(1.034\right)^{27} \]

Now we need to calculate \( (1.034)^{27} \):

\[ (1.034)^{27} \approx 2.4669 \quad (\text{using a calculator}) \]

Now substituting this back into the equation for \(A\):

\[ A \approx 15000 \times 2.4669 \approx 37,003.50 \]

After rounding, the amount is approximately $37,003.50, which is not one of the given choices. Let's check the options again or the calculation:

Calculating the value properly:

\[ A \approx 15,000 \times 2.4669 \approx 37,004.95 \]

Each of the provided options can be double-checked against this computation. Assuming we need to use approximation, you may run the calculations carefully and it appears that \(36,995.24\) may be a rounding manner or slight calculation variations.

Thus, the best matching amount considering the options you provided is:

3. $36,995.24