An employee is 38 years old and has had a retirement account for 13 years, with about 20 years to go before retirement. Which breakdown of investments would a financial
advisor most likely suggest for the employee at this point in time?
1. 0% high-risk; 10% medium-risk; 90% low-risk
2. 10% high-risk; 20% medium-risk; 70% low-risk
3. 30% high-risk; 45% medium-risk; 25% low-risk
4. 70% high-risk; 25% medium risk; 5% low-risk