Suppose a life-long friend asked you for help in creating an investment portfolio that will be accessed in 15 years, they have $100,000 to invest. They would like to go over their portfolio every two years to make adjustments if necessary. How would you advise them to invest their savings? Describe the techniques you would employ and what concepts of diversification and risk management you would suggest? Comment on what strategies you would use and what equation would be useful to find their projected returns if they receive 8% returns? hint: you have the three variables present to calculate future value here (principal, time period, interest rate/rate of return)