Tia Began Investing $3,000 Per Year in a Tax-Deferred Retirement

Tia began investing $3,000 per year in a tax-deferred retirement plan at age 25 and stopped investing at age 45.At age 35, Sylvia began investing $3,000 per year in the same type of retirement plan and stopped contributing at age 60.Both retirement plans yield a 7% annual return compounded monthly.When both women turn 65, which scenario is more likely?

A) Sylvia contributed more money to her retirement savings, therefore her investment will grow more than Tia's.
B) Since Tia began contributing to her retirement savings plan early, and stopped early, her investment is exposed to greater risk in the market, and is likely to remain stagnant.
C) The extra 5 years that Sylvia contributed to her retirement plan will yield more money in the near term than the annual return Tia's investment will yield in the long term.
D) The extra 5 years that Sylvia contributes to her retirement plan will yield less money in the near term than the annual return Tia's investment will yield in the long term.