The basic behavioral premise behind time value of money $($TVM$)$ calculations is that

all else being equal, an investor would invest $$1000$ in an asset if there is a promise that she will get more than $$1000$ in the future

an individual would rather consume now rather than later

if an investor is indifferent between a choice of $$1000$ today and $$1005$ a year from now. he is accepting a yield of $0\mathrm{.}5\%$

all other choices are correct