1) Anna Bella is ecstatic.She had just been offered a position with a choice employerwitha starting annual salary of $58K (gross) plus benefits.Among those, her employer is offering matching 401 K plan contributions of up to 5% of her annual gross salary.She is still single but has been steady with her boyfriend for a couple of years and both have started to have serious discussions about living together and founding a family.First things first though, she wants to ensure she starts her professional career on solid foundations, particularly as it pertains to savings and investments.In this regard, she is soliciting your professional advice to help get started on her savings/investment plan as to what amount she should save regularly, what investment vehicle she should consider (e.g. stocks, bonds, mutual funds, index funds, certificate of deposits, options, etc.) and what should be in her investment horizon considering she just turned 22 and has plan to eventually earn a MBA or master degree in a relevant field within the next 10 years.She mentioned that she had to borrow to go to college and her outstanding student loan at graduation would be $20,000.She intends to repay this debt, which carries an interest rate of 5% per yearwithin the next 5 years. Currently, she does not anticipate to retire until she is past 60.While well educated and knowledgeable enough about world and financial affairs, she considers herself a neophyte in investments and is eager to learn.She wants to minimize her tax liabilities.Through further discussions, she mentions that she is rather risk-averse (like an average person) and she would portray herself as a value investor who wants to preserve her capital while pursuing long-term growth.She would be satisfied if her portfolio yields the market benchmark and understands that the market and securities prices fluctuate constantly.She wants to make sure though her savings/investments do well over a long period of time.For this, she is keenly interested in being informed on how she should model her savings/investments during the different phases of her life span (i.e. her 20's; 30-50 years old; 50-60 years old, retirement years).

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Recommend a savings or investment plan to help Ana Bella get started on the right footing.In your plan, specifyyour recommended percentageof savings/investment, the frequency and the investment vehicles(e.g. stocks, bonds, mutual funds, index funds, certificate of deposits, options, cryptocurrencies, etc.)which are relevant as well as suggested allocations during each phase of our life cycle.Also describe, relevant factors or considerations that Anna needs to consider in designing her savings/investment portfolio.