Marcus just graduated college and started a new job that pays $60,000 per year. His boss has given him four options for how to receive his paycheck. If his required return is 5% per year, which option should Marcus choose?

A semi-monthly payment of $2,500 (24 total payments per year)

A quarterly payment of $15,000 (4 total payments per year)

An annual payment of $60,000 (1 total payment per year)

A monthly payment of $5,000 (12 total payments per year)