You are going to invest $1,000 at the end of each year for twenty years. Given an interest rate, you can find the future value of this investment by: 1. Applying the proper present value factor to each cash flow, then adding up these present values. II. Finding the future value of the sum of the payments. III. Adding the cash flows together and finding the future value of the sum. IV. Finding the present value of each cash flow, adding all of the present values together, then finding the future value at the end of year 20 of this lump sum. O only I only IV only. il and Ill only None of the above is correct