If you have $10,000 in available savings each year. There are three investment instruments you can choose from (1) deposits, (2) stocks and (3) bonds. If you deposit your money in a bank, the annual interest rate is 3%. If you buy stocks, the investment period is two years, and the expected return rate after two years is 6%. If you invest in bonds, you can earn 5% interest every year, but the investment period is 4 years. At the end of the year, you reinvest all available funds and update your portfolio. Additionally, it is recommended that you keep at least 20% of your available funds in banks throughout the investment period and the amount invested in mutual funds.(At the beginning you already have $10,000 and the investment length is five years.)