Women prefer to save in gold ornaments, for in doing so they are able to protect their investments, to a degree, from their men because of the femininity associated with the jewelleryGiven that gold is much more liquid than land, it is often the first to be pawned or sold to cope with illness, death, or other emergencies in ones immediate family or even in the wider community (Zulfiqar, 2022, pp. 752-753). Critically evaluate the practice of investing in gold through the concept of time value of money. You should reflect the concepts of payback period, accounting rate of return, and net present value in your answer.