Olga wins 30,000 in a lottery and wants to save the money for 10 years. For this her bank offers her three options:

1) The money is put into a savings account with a fixed yearly interest rate of 4.5%.

2) The money is invested in highly speculative stocks where after ten years the investment is either doubled in value (50% chance) or loses its value completely (50% chance).

3) The money is invested in company bonds that generate the following cash flows during the first 10 years and after 10 years can be resold for an additional 20,000:

0 2,000 0 5,000 0 3,000 0 4,000 0 3,000

Which option should Olga choose? Argue your decision.