An investment you have pays $$10,000$ at the end of five years and $$500$ each year during the five years. Thus, you will receive five $$500$ payments and a $$10,000$ lump sum in five years. To determine the present value of this investment, you would need to use which of the following calculations?

The present value of a lump sum and the present value of an annuity

The present value of a lump sum only

The present value of an annuity only

Neither the present value of a lump sum nor the present value of an annuity