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Welcome to Unit 3Time Value of Money
The time value of money (TVM) is a core principle of finance. It states that money available today is worth more than the same amount in the future due to its earning potential. This concept underpins investing, financing, and valuation. The present value (PV), future value (FV), discount rate, compounding, and periods (n) are key components of TVM. We apply TVM to investment analysis, loan amortization, retirement planning, bond valuation, and lease agreements. You can start by reviewing the unit learning outcomes and then reviewing the unit resources.
To access the AI Summary of this page or to download the PDF transcript for the video, please click on the icons above.
AI Summary
Video Transcript
Source and License: This work is licensed by Saylor Academy under a Creative Commons Attribution-NonCommercial-Sharealike 4.0 International License (CC BY-NC-SA 4.0). This content was created using Genially and Synthesia. AI-generated avatars and voices in this video were created using Synthesia and remain subject to Synthesia’s Terms of Service; these elements are not covered by the Creative Commons license. Synthesia trademarks and services remain the property of Synthesia. All Genially proprietary elements such as templates, themes, built-in assets, stock media, and other “Genially Content” remain subject to Genially’s Terms of Service and are not covered by this Creative Commons license. These elements must remain embedded in the course and cannot be reused or redistributed independently.
Source and License: This work is licensed by Saylor Academy under a Creative Commons Attribution-NonCommercial-Sharealike 4.0 International License (CC BY-NC-SA 4.0). This content was created using Genially and Synthesia. AI-generated avatars and voices in this video were created using Synthesia and remain subject to Synthesia’s Terms of Service; these elements are not covered by the Creative Commons license. Synthesia trademarks and services remain the property of Synthesia. All Genially proprietary elements such as templates, themes, built-in assets, stock media, and other “Genially Content” remain subject to Genially’s Terms of Service and are not covered by this Creative Commons license. These elements must remain embedded in the course and cannot be reused or redistributed independently.
AI Summary
This unit introduces the time value of money, one of the most important principles in finance. You will learn how the value of money changes over time and how financial professionals apply this concept when making investment and financing decisions. Here are some key takeaways:
- Understand the concept of the time value of money and why money today is worth more than money in the future.
- Examine key components such as present value, future value, discount rates, compounding, and time periods.
- Explore how time value of money concepts are applied to investment analysis, loans, retirement planning, and bond valuation.
- Recognize how these calculations support financial planning and long-term decision-making.
You can start by reviewing the unit learning outcomes and the unit resources.
Unit 3 Introduction Video
Saylor Academy
Created on March 11, 2026
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Transcript
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Experiencing playback issues or need translation options?
Welcome to Unit 3Time Value of Money
The time value of money (TVM) is a core principle of finance. It states that money available today is worth more than the same amount in the future due to its earning potential. This concept underpins investing, financing, and valuation. The present value (PV), future value (FV), discount rate, compounding, and periods (n) are key components of TVM. We apply TVM to investment analysis, loan amortization, retirement planning, bond valuation, and lease agreements. You can start by reviewing the unit learning outcomes and then reviewing the unit resources.
To access the AI Summary of this page or to download the PDF transcript for the video, please click on the icons above.
AI Summary
Video Transcript
Source and License: This work is licensed by Saylor Academy under a Creative Commons Attribution-NonCommercial-Sharealike 4.0 International License (CC BY-NC-SA 4.0). This content was created using Genially and Synthesia. AI-generated avatars and voices in this video were created using Synthesia and remain subject to Synthesia’s Terms of Service; these elements are not covered by the Creative Commons license. Synthesia trademarks and services remain the property of Synthesia. All Genially proprietary elements such as templates, themes, built-in assets, stock media, and other “Genially Content” remain subject to Genially’s Terms of Service and are not covered by this Creative Commons license. These elements must remain embedded in the course and cannot be reused or redistributed independently.
Source and License: This work is licensed by Saylor Academy under a Creative Commons Attribution-NonCommercial-Sharealike 4.0 International License (CC BY-NC-SA 4.0). This content was created using Genially and Synthesia. AI-generated avatars and voices in this video were created using Synthesia and remain subject to Synthesia’s Terms of Service; these elements are not covered by the Creative Commons license. Synthesia trademarks and services remain the property of Synthesia. All Genially proprietary elements such as templates, themes, built-in assets, stock media, and other “Genially Content” remain subject to Genially’s Terms of Service and are not covered by this Creative Commons license. These elements must remain embedded in the course and cannot be reused or redistributed independently.
AI Summary
This unit introduces the time value of money, one of the most important principles in finance. You will learn how the value of money changes over time and how financial professionals apply this concept when making investment and financing decisions. Here are some key takeaways:
- Understand the concept of the time value of money and why money today is worth more than money in the future.
- Examine key components such as present value, future value, discount rates, compounding, and time periods.
- Explore how time value of money concepts are applied to investment analysis, loans, retirement planning, and bond valuation.
- Recognize how these calculations support financial planning and long-term decision-making.
You can start by reviewing the unit learning outcomes and the unit resources.