Buster is 20 years old. He is considering two strategies for investing for retirement at age 60. Strategy 1 is to put all his money into Treasury bills, which he knows are virtually risk-free. Strategy 2 is to invest in a diverse set of risky stocks, which he knows involves more risk and reward. Compare the two strategies. Consider safety, uncertainty, and whether either strategy is akin to gambling. Is one strategy clearly better than the other?