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Create an IPS for $2$ of your clients. Jill is $25$ years old and she has $$40,000$ and her income is $$55,000.$ Joe has $$40$ million, has an income of $$300,000$ and has an age of $45.$ Both have medium risk. Jill wants capital appreciation. Joe wants capital preservation. Pay particular attention to the concept of return, age and time horizon of the two individuals. Explicate how you would invest their money and why.

Year stock T Stock B

$1\mathrm{.}19\mathrm{.}08$

$2\mathrm{.}08\mathrm{.}03$

$3-\mathrm{.}012-\mathrm{.}09$

$4-\mathrm{.}03\mathrm{.}02$

$5\mathrm{.}15\mathrm{.}04$