All value comes from future cash flows, and making positve net present value decisions is the sign of a good steward of capital and management. Everything is built on those core ideas. Your local bank offers a certificate of deposit that will pay you interest of 6.5% per year for five years. If you have $15,000 to invest today, how much will you accumulate by the end of year five? A ( D Future Value as of the end of Year 5 = $15,975.00 Future Value as of the end of Year 5 = $20,551.30 Future Value as of the end of Year 5 = $25,051.30 Future Value as of the end of Year 5 = $19,875.00