If interest rate was 2.8% you could double your money in 20 years. If it was higher, you could double your money quicker, or give yourself some spending money while still accumulating wealth. Compounding interest of the lump sum would make it very difficult for the 100k to come ahead unless you blow through the 2 million quickly as i initially said.

Also i don’t have 20 years left so I’ll take the lump sum