Habtamu is 35 years old and had a student loan of $10,000 two years ago. He has paid off his debt and now he plans to invest $80 monthly in the new year. What should be his first step for an effective investment planning? Question 8 options: Invest 100 % in cryptocurrency Determine the amount of investment return he wants to achieve Determining the goal and objective of his investment Allocating his money in different types of asset categories