Predict the product for the following reaction. 
Definitions:
Rate of Return
The accrual or depletion in value of an investment over a stipulated period, expressed in terms of the percentage of the investment's beginning cost.
Save
The act of putting money aside in a safe place for future use or investment, typically in a bank account or other financial instrument.
Years
A unit of time equivalent to 365 or 366 days, used to measure durations or periods on a calendar basis.
Payments
Transactions involving the transfer of money from one party to another, often in exchange for goods or services.
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