Suppose that interest rates are always positive. Then the present value of a cash flow is at most its time value at t=2.

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Suppose that interest rates are always positive. Then the present value of a cash flow is at most its time value at t=2.

Is this true or false?

I think it is false. My reasoning is because the present value of a cash flow at a certain point in time depends on the interest rate and the time value of the cash flow, not just its time value at a specific point in time (like t=2). Therefore, the statement is not accurate.

Can someone tell me if I'm right or wrong?

Thank you.