Individual Retirement Annuity I Am Starting An IRA(Individual Retirement Account) Would You Use An Amertized Formula Or An Annuity One?

I am starting an IRA(Individual Retirement Account) would you use an Amertized formula or an Annuity one? - individual retirement annuity

Pension payment
FV = PMT [(1 + r / n) ^ NT-1 / (r / n)]

is amertized
P (1 + r / n) ^ n = Payment [(1 + r / n) ^ NT-1 / (r / n)]