15.000*\( \frac{1,05^{10}-1}{0,05} \) *\( 1,05^{20} \) + 400*\( 1,05^{20} \) + 5.000*\( 1,05^{18 } \) + R*\( \frac{1,05^{20}-1,04^{20}}{1,05-1,04} \) = \( \frac{55.000*1,05}{0,05} \)
\( \frac{55000*1,05}{0,05} \) = 1.155.000
15.000 * \( \frac{1,05^{10}-1}{0,05} \) *\( 1,05^{20} \) = 500.593,401
400 * \( 1,05^{20} \) = 1.061,319082
5.000 * \( 1,05^{18} \) = 12.033,09617
R* \( \frac{1,05^{20}- 1,04^{20}}{1,05 - 1,04} \) = R*46,21745621
500.593,401 + 1.061,319082 + 12.033,09617 + R*46,21745621 = 1.155.000
R = 13.875,97