I need an initial discussion post for the discussion post written below. I need one APA in-text citation with one APA reference. Begin this week's discussion by reading the following quote. As stated in your text, "Many contend that investing over long periods of time provides "time diversification," that is, even though the market index may under perform bills in any particular year, the law of averages implies that because of its positive risk premium, the market will surely outperform bills over long investment periods. Therefore, they argue, longer-horizon investors can prudently allocate higher proportions of their portfolios to the market." Additionally, many financial advisors tell clients that the longer they have before they need the money the more aggressive they can be with their investment portfolio. After you have finished reading the above, explain what is meant by these sentences and discuss both the arguments for and against them