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This week we will be looking at retirement planning and estate planning. For some of you that may seem a long ways away. So what strategies should be used when investing in a portfolio for someone what has just graduated from college? How will this change for someone in her 30s, 40s, 50s, 60s or 70s?

U.S. Treasury bills held to maturity have a beta of zero. Why? Discuss the implications of this risk-return trade-off with respect to your overall investment portfolio as you approach retirement age. Are there any assets that you would avoid investing in as you near retirement age?

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