Both a wife and her husband work in the airline industry. They are in their 40s and they have a high tax bracket and are concerned about their after tax rate of return. A meeting with their financial planner reveals they are primarily focused on long term capital gains and they will need at least a 9% to 11% average rate of return to meet their retirement goals. They desire a diversified portfolio and liquidity is not currently a major concern. If you had to choose from the list below which of the following asset allocations seems to best fit their situation?

a. 10% money market; 40% long term bonds; 10% commodities; 40% high dividend paying stocks

b. 0% money market; 60% long term bonds; 40% stocks

c. 10% money market; 30% long term bonds; 10% commodities; 50% high dividend paying stocks

d. 5% money market; 30% long term bonds; 5% commodities; 60% stocks, most with low dividends and high growth prospects