Identify the various things Alice should consider in determining how much money she should set aside for her retirement account? Additionally, list and expound upon the criteria Alice should consider in deciding which mutual fund or funds to invest in. (20%) Which fund or funds should she invest in and why? Support your answer with analysis from the case using historical returns, standard deviations, Sharpe ratios, and correlations between funds (if multiple funds are chosen). (20%) Develop and support an opinion of the set of Tier 2 and Tier 3 funds available to Alice. Is the collection of funds in each asset class good offerings? If not, what would you change? Which funds can be thrown out of consideration and why? (15%) What role, if any, do fees play in your determination of Alice's portfolio? (5%)