study on asset allocation for retirement savings in a group of working age investors. The allocation was made among common stocks, bonds, bank deposit and gold in appropriate mix adjustable through life

investment horizon. Furthermore, investment plan where proportion of investment in shares is automatically adjustable suit savers with limited knowledge and prefer status quo and clearly benefits those who are

} assured his colleague that it was the client’s decision. Therefore, the transaction had been executed. However, when the authorization documents were brought to the client for signature, the client