Let's say, everyone of us gets an inheritance trust of $20,000 which you can only withdraw out... ...in Year 2030 if you're over 55 years old) ..Year 2035 (45-55 years old) ..Year 2045 (35-44 years old) ..Year 2045 (younger than 35 years old). The condition is that is you must put in an additional $5,000 within 2 months, which makes it a total of $25k. You cannot change your portfolio midway, so no trading. Only up to 5 choices allowed, assume even split of allocation. Principal cannot be touched but dividends or interest can be withdrawn for personal use. Where are you going to put that money today?