Timothy is retiring from his job soon at which time his employer will make the following offer: $1.$ A lumpsum amount of $$200,0002.$ A sum of $$15,000$ at the beginning of each month for the next $25$ years. If the average interest rate is likely to be $5\mathrm{.}5\%$ p$.$a$.$ for the next $25$ years, which option should Timothy choose?