When comparing an etn to an etf, which statements are true? i etns have both credit risk and market risk ii etfs have both credit and market risk iii etns have only market risk iv etfs have only market risk

Retirement investment advisors, inc., has just offered you an annual interest rate of 4.4 percent until you retire in 40 years. you believe that interest rates will increase over the next year and you would be offered 5 percent per year one year from today. if you plan to deposit $13,000 into the account either this year or next year, how much more will you have when you retire if you wait one year to make your deposit?