If then formula help (If Value is Higher than an identified cell, then other cells populat

Hello all. Thank you in advance for any assistance you may be able to provide.

I am trying to determine how to great a formula for cells E5, E6 of the attached (in pink) that says if the value of the cell above (E4) is equal to or Greater than the value of cell E10, the cell will perform the formula that I already have in E5, E6.

Not sure if that makes sense. But what I'm trying to do is create a 5 year investment plan whereby the worksheet automatically inputs those values for me if the balance is above our minimum reserve. That way I can play with the default assumptions and see how it changes throughout the worksheet.

Again, many thanks for any help you can provide. Cheers...