Have you considered the trade-off between risk and return when making an investment? Did it change your investment? Do you expect a risk premium related to the level of risk?
I have never really put any money into investments, but if I did I would definitely have to calculate the risk before I made any move. I would expect a higher premium with a higher risk choice in the form of a bigger interest rate or return on the investment.
Why is the present value of a dollar more valuable than its future value?
Because of inflation, today’s dollar is worth more than the same dollar in the future. If you think about it in terms of the price of gasoline today and thirty years ago, you could buy more gallons of gas with a dollar in 1990 than you can today with the same dollar.
My Journey into Macroeconomics 