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Twenty years after his first investment how much money in

Paul invested $10,000 at time "0" in a mutual fund that guaranteed a return of 5% per year. After 5 years, he invested $20,000 in another guaranteed fund at 4.5% return. Twenty years after his first investment, how much money in total will he have in both the funds?

$63,372
$65,230
$59,781
$89,813

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