You are the manager of an investment fund. Your job is to advise clients on what portfolio best suits their needs, given their characteristics. You have four different client types.

1. A 23 year old woman (Vanessa), who has just begun a long and hopefully successful career as a nurse.
2. A couple (Eddy and Eliza), both 41 years of age and have two young children. Both earn high incomes and wish to retire at the age of 60.
3. 64 year oldJurgen, who is hoping to retire from work over the next 12 months after COVID-19 stripped away the biggest achievement of his career.
4. The retiredFergie, who at the age of 75 has been retired for a period of 10 years.