Considering your age, savings, risk tolerance, and investment goal, I suggest a diversified investment portfolio consisting of the following allocation: 50% in index funds (a mix of domestic and international equities), 30% in bonds (corporate, government, and international bonds), 10% in real estate (such as REITs), and 10% in cash or cash equivalents (such as money market funds or CDs). This allocation offers a balance of growth and income while maintaining a moderate risk profile.
Client's age: 35 years, Savings: $50,000, Risk tolerance: Moderate, Investment goal: Retirement at 65.
Take the role of a financial advisor and suggest a diversified investment portfolio for a long-term investment plan.