Two annuities have the same periotic payment $($PMT$),$ same interest rate $($I$/$Y$),$ and same duration $($N$).$ Payments to$/$from A are at the end of each period; whereas payments to$/$from B are at the

beginning of each period. Please select the correct statement$($s$)$ from the following:

You, as the receiver of the annuity, are indifferent from these two choices since they have all the same features.

You, as the payer of the annuity into your retirement account, would prefer $A$ so that you can get more when you retire.

You, as the payer of the annuity into your retirement account, would prefer $B$ so that you can get more when you retire.

You, as the receiver of the annuity, prefers A because it gives you a higher total present value.