Which of the following will decrease the future value of a lump sum investment made today assuming that all interest is reinvested? Assume the interest rate is a positive value. I. Increase in the interest rate II. Decrease in the lump sum amount III. Decrease in the investment time period IV. Increase in the investment time period Question 7 options: 1) II and IV only 2) I and III only 3) I and IV only 4) I, II, and III only 5) II and III only