If you are a young worker, starting to save for retirement, which of the following is most correct?

• A. The best investment strategy is to keep all your retirement assets in a money-market fund, because unlike with the stock market you will likely never lose money
• B. Experts recommend that you should typically put a large proportion of your retirement assets (for example, 100 minus your age) in stocks
• C. Being too conservative when investing is risky, since you might not have enough money to fund your retirement
• D. (b) and (c)