Your client, Jackie Brown, instructs you to invest her capital of $500,000 as follows. She recommends to invest $150,000 into equities for two years, so she can use it as a down payment for a single residence. Furthermore, she asks you to put $350,000 into Treasury bonds, so it will be safe to use for her retirement. Jackie is 30 years of age, and she is willing to take substantial risk in her profile. Ms. Brown makes $125,000 annually and wants to attain capital appreciation. Elucidate on the prudence of the above recommendations.