The second option in which the individual is making 39 installment will be having a higher amount of future value because it is having a total of 39 installment which is more then just seven installment and even though the individual will be making late installment, it is not that late to exceed the overall amount of future value so the number of installments will be becoming critical and the individual when he is making 39 installment by beginning at 27 year and making $2,000 deposit until his 55 year old will be making him earn very high rate of return because of it principal as the principal amount will be magnanimous in compared to first choice of investing 7 installment.

So the number of installment will be playing the most important part and if the number of installment is lower it will mostly mean that the overall amount of principal will be lower but in this case the time period of investment is also different so there may have been some difference but not enough to create an impact.