John, 25, just started contributing to his employer's 401(k) plan and started an ira account. he is choosing to invest only in bonds and secure investments instead of high-risk stocks. is john pursuing a wise investment strategy? a. yes; retirement income should be protected from turmoil in the stock market. b. yes; as john gets closer to retirement, he can switch to higher-yielding stocks. c. no; young investors can afford more risk since they have time to recover from any sudden loses. d. no; bonds and safe investments are not part of good retirement plans.