Which investment option would best meet William’s needs? William is not generally a risk-taker, but he knows he may need to step out of his comfort zone to make enough money for retirement.

A commodity can have more risk and price fluctuation than a certificate of deposit, savings bond, or savings account, but it may also offer greater potential for growth. Since William may need to accept some risk to build enough money for retirement, a commodity best matches that need. The other choices are generally safer, but typically offer less potential growth.

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