An investor purchases a financial instrument from a corporation for $5,000. The terms of the instrument state that the investor will receive a payment of $200 every year for 5 years. At the end of the 5th year, in addition to the final $200 payment, the investor will also receive a one-time final payment of $5,000 from the corporation. Based on this scenario, break down the total cash flow the investor receives into its two fundamental components and describe the purpose of each.