19. Consider three individuals: a young, well-educated woman just beginning a career with high expected future earnings;

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19. Consider three individuals: a young, well-educated woman just beginning a career with high expected future earnings; a middle-aged man with a young family who has a secure job but modest expected future earnings growth; a widow in her seventies, living comfortably but not richly off a pension. Referring to Table 21.1, prescribe and explain an investment strategy for these persons involving investments in the various funds listed. (Feel free to introduce other assumptions regarding such things as the individuals' risk tolerances and consumption preferences.)

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