You work for a small Investment Advisor firm in Long Island, NY. A friend just referred her mother to you to try to help with her retirement planning. Her mother is 57, she has $1M in liquid assets, and would like to retire at 65.

Which of these investments is probably BEST suited for this new client?

a. A mix of mutual funds with a GROWTH bend, combined with crypto-currency investments and Rare-Earth Exchange Traded Funds.

b. Gold. Something very stable and physical that she would be able to visit with her grandkids once in a while.

c. A portfolio of stocks of a VALUE style, combined with safe fixed income bonds, expected to produce periodic payments in the form of coupons and dividends.

d. Long dated commodity swaps.