Weird annuity question..

K can anyone know how to answer this? Looks like a simple annuity. What discount rate do we use if it says ‘Balanced Growth’? Q) Determine how much of a retirement nest egg is needed to retire with at age 65, inflation adjusted gross income of $55,000 and incorporate average OAS and CPP. As well, determine the same nest egg, assuming the first 5 years have negative returns of 5%. Assumptions: Inflation = 2% Return = Balanced Growth Life expectancy = 100 Taxes = Ignore Timing of Withdraws = End of period