Nellie is 25 years old and just starting her retirement savings. Which breakdown of investments would a financial advisor most likely suggest for Nellie at this point in time? 

0% high-risk; 20% medium-risk; 80% low-risk

10% high-risk; 20% medium-risk; 70% low-risk

25% high-risk; 30% medium-risk; 45% low-risk

50% high-risk; 35% medium-risk; 15% low-risk