Sherry Rudd recently inherited a trust fund from a distant relative. On January 2, the bank managing the trust fund notified Rudd that she has the option of receiving a lump sum check for $200000 or leaving the money in the trust fund and receiving an annual year end check of $20000 for each of the next 20 years. Rudd likes to earn at least 5% return on her investments. What should she do?