You have the savings of $100K and no other wealth. You are considering whether to use all your savings to start a bakery business or whether to invest this money in the market index. If you start a bakery, you estimate that the expected return from this business will be 25% and the return standard deviation will equal 40%. Currently, the risk-free rate is 3%, the expected return on the market index is 15%, and the standard deviation of the market index is 20%. Which is a better investment: the bakery or some combination of the market index and the risk-free asset? Please explain. (3 points)