Both a wife and her husband work in the airline industry. They are in their 40s, and they have a high tax bracket and are concerned about their after-tax rate of return. A meeting with their financial planner reveals that they are primarily focused on long-term capital gains and will need at least a 9% to 11% average rate of return to meet their retirement goals. They desire a diversified portfolio, and liquidity is not currently a major concern. Which of the following asset allocations seems to best fit their situation?

A.

10% money market; 40% long-term bonds; 10% commodities; 40% high-dividend-paying stocks

B.

0% money market; 60% long-term bonds; 40% stocks

C.

10% money market; 30% long-term bonds; 10% commodities; 50% high-dividend-paying stocks

D.

5% money market; 30% long-term bonds; 5% commodities; 60% stocks, most with low dividends and high growth prospects