Which of the following statements is NOT correct? The future value increases as either the interest rate or the number of periods per year increases, other things held constant The value of a dollar invested at a positive interest rate grows over time but at a slower rate further into the future You can benefit more from compound interest by starting to invest early for retirement The higher the rate of interest, the more likely you will forgo current consumption The time value of money is based on the principle that people have a positive time preference for consumption