This one needs to be 600-800 words How would the asset allocation differ between a 25 year-old who is saving for…

This one needs to be 600-800 words

How would the asset allocation differ between a 25 year-old who is saving for retirement and a 67 year-old who is beginning retirement?

Be sure to provide the following:

• Give a reasonable stock-to-bond ratio for each investor.
• Explain your allocation.

Focus your discussion on the following:

• Asset allocation
• Time horizon
• Ability to assume risk
• Earning capacity
• Income needs

And this one needs to be 800-1000 words

Understanding how to properly value a vanilla bond (a plain bond) is essential for finance. Using the following Web site, find 3 different funding structures. Describe for each structure: security type, term, and yield. Furthermore, take a look at each of their offering documents, and provide a short description of the information found in the documentation.

• Why do the different types of bonds get different rates? Explain your answer.
• What makes each of the different structures different? Explain your answer.
• What does the rate given say about the credit rating for each issuer? Explain your answer.
• How does credit rating affect the rate given to the issuer? Explain your answer.
• Which structure has the best credit rating based on the yield given to each structure? Explain your answer.
• What is the credit rating supposed to tell you? Explain your answer.
• Which bond is receiving the best price? Explain your answer.
• Why does having a good credit rating matter to the issuer? Explain your answer.