For the following scenario, briefly outline the critical points of importance in the context of financial planning. In your response also discuss one relevant advantage and disadvantage of the relevant asset class in the scenario. Kleo has just turned 21 years old and was gifted $20,000 from his parents. He has always wanted to buy property and is trying to save for a deposit. He is seeking your advice on whether to invest the $20,000 in an Australian Real Estate Investment Trust for the next three years