If you won $2,5 million in a lottery. You can receive $1.3million now or $100,000 at the end of each of the next 25 years, You can earn 5% annually on the investments . Which is the better option?

Question

If you won $2,5 million in a lottery. You can receive $1.3million now or $100,000 at the end of each of the next 25 years,  You can earn 5% annually on the investments . Which is the better option?