The strategies of investment are going to change over a customer's life. A customer working full time in his/her mid forties wants to accumulate capital to bolster his/herself in retirement in the future 15-20 years. Another customer who is 65 years old and is self-funded retiree retired lately from work. Explain and identify what may be the typical goals of investment and portfolio allocations across the four main asset classes for each customer. In your answer, make sure you discuss the role of the asset classes to offer capital growth or income and the risks.