5. The current stock market is potentially overvalued. Assume you are 25 years old and currently have $14,000 in your IRA/401K. What mix of stocks, bonds, and cash would you hold in your retirement account. Assume you are 58 years old and have $500,000 in your IRA/401K. What do your answers imply about your short and long-term expectations about the market and your beliefs about whether the market can be timed?