Elvis wants to build a diversified investment portfolio but is not sure which types of investment instruments he should have. He wants to preserve as much liquidity as possible and needs to be sure of getting his hands on a certain amount of his money to cover specific expenses expected in five years time. He also wants to make longer-term investments with good stable returns. Elvis is not much of a risk taker but is willing to devote a fraction of his investment dollars to riskier investments on the chance that he will make a bigger profit. What kinds of investment instruments should Elvis consider?