Mary, who is 25 years old, has $25,000 to invest for retirement.She wants to invest in stocks, bonds, and/ or cash accounts, and she will not withdraw the money for at least 30 years.Use the article below to help Mary divide her money into the three accounts.

http://money.cnn.com/retirement/guide/investing_basics.moneymag/index7.htm?iid=EL

1) How much money should Mary invest in each type of account now?

2) As Mary gets closer to retirement, her financial advisor tells her she may need to change her asset allocation (what percent of her investment she has in each account).How should she change her investments if she is 5 years away from retiring?Explain your reasoning.

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