Step-by-step explanation:
For a young professional like Regina still in her 20's. Majority of the amount must go in high risk but high return investment tools like stocks. Some amount in low risk tools like bonds or government securities.Since Regina has more time to absorb changes in the market, she can focus on more aggressive growth stocks and avoid slow-growing assets like bonds. What i as an investment advisor would suggest her
Stocks: 80% to 90%
Bonds: 10% to 20%