Assume your father is going to give you $1 mil to make whatever investments you like because he wants to know how much you learned from the financial services program. He is going to give you a 2-year time frame and then review your asset allocation performance to see whether he will give this $1 mil (together with the profit, or loss of no more than 20%) to you permanently. Taking into account all the wealth management concepts you learned so far, what are you going to do with this $1 mil fund?