P 1=20000*(P/A, 10%, 4) = 63397.5438+0 yuan.

Step 2: Find the annual deposit of 0- 17 years old.

A=F(A/F， 10%， 18)= 63397.3 1 * 10%/( 1+ 10%) 18-65438。

It should be deposited in the bank 1390.32 yuan every year.