You have a client who has $10,000 and wants to invest. The choices are a savings account with an interest rate of 2%, a Certificate of Deposit for 5 years at 5% rate of return or choosing to put all of it in one stock. How will you advise this client? Address liquidity, rate of return and risk. Finally, address a long term goal or a short term goal you might identify the money is being saved for in the future.