General information about the client:

30 years old, married, 3 children, salary $60,000 per year, only wage earner in home, low tax rate so we don't even consider anything relating to taxes for this account (we haven't studied taxes yet.)

Has retirement account already, separate from this account, and he has a "rainy day" savings account.

General information about this portfolio:

He will contribute to it yearly, no withdrawals until it ends at age 50, when it is completely terminated.

Use of the account after it ends:to buy rental real estate and manage it.

Question: Examine each of the Systematic Risks and their associated Sub Asset Classes, and determine the best match of risks, risk premiums, and sub asset classes for this person