Hamed has seen his employment income rise steadily and expects it to continue in the future. He manages his cash flow carefully and consistently invests $5,000 every year, equally split between liquid assets and stocks held in his RRSP.

Considering only these financial aspects, which of the following will increase?

1. Net worth
2. Debt-to-asset ratio
3. Savings ratio
4. Current ratio

1. I and IV, only
2. II and III, only
3. I, III and IV, only
4. I, II and III, only