Which asset allocation would you recommend for your friend Charlie's retirement portfolio if he is 27 years old, has very little saved already, and loves to take huge gambles in order to get ahead? Circle one:

a. 10% Stocks, 80% Bonds, 10% Cash

b. 50% Stocks, 50% Bonds

c. 60% Stocks, 40% Bonds

d. 90% Stocks, 10% Bonds

Which of the above asset allocations is considered the "classic" for retirement investing?