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And why does the NPV matter at all? Other than mental masturbation? Also did you not read the hypothetical, it can't be withdrawn for 7 years, present value is irrelevant, the money doesn't exist in the present.
7 years is a a reasonable amount of time where most peoples discounting doesn't really tip their yes/no decision.
Holding 10M for 7 years is perfectly profitable under a 1000 realistic scenarios. After the 7 years you will be able to buy more things than not. Thats value, everything else is fugazi.
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