A bank account is not a perpetuity. You don’t need to use DCF to value it. Most current accounts don’t even actually give interests let alone an annuity you wou

A bank account is not a perpetuity. You don’t need to use DCF to value it. Most current accounts don’t even actually give interests let alone an annuity you would need to discount. It is straight debt. > If somebody owed you the interest payments and the money, your net worth (in regard to this money) would double. Even for deposits, the way this works is that you discount future cash flow on top of your principal to get to your net present value. The NPV of a saving accounts above inflation viewed as a perpetuity is infinite thanks to the magic of compounding interests. Sadly, “in the long run, we are all dead”.