What mutual funds would you recommend for a 22 year old college graduate who just landed their first real career job? They are making 35,000 dollars a year. They are able to invest 100 dollars every month into their 401K plan. They will retire at age 70. They are young and they are not frightened of risk. They have 48 years to invest. What would you suggest for them? Be very specific in your recommendations. Do some scholarly research. At least 300 words (Must include a reference)