Sarena is in her early 30s; she drives a paid-for Honda Civic Coupe, pays her credit card purchases in full each month, and sacrifices some of her salary by putting $200 a month into her employer's 401 (k) retirement account. The account has risen over the past seven years, and Sarena's 401(k) plan is worth about $30,000. Sarena also has invested about $14,000 in a Roth IRA account that is currently invested in a mutual fund, and she plans to use that money for a down payment on a home purchase. She earns $68,000 as a restaurant manager and receives an annual bonus ranging from $2,000 to $5,000 every January that she uses for a spring vacation in the Caribbean. Sarena's employer provides many employee benefits. What do you recommend to Sarena on the subject of investment fundamentals regarding: Portfolio diversification? Investment alternatives