Melvin Rashad is about to retire. He will receive a modest Social Security benefit, but much of his retirement income will come from his savings and investments, which represent most of his assets. He visited a broker at the securities firm Ronaldson Dufkin Benrette. The broker thought that stocks were ready for a strong upward move, so he recommended some risky stocks that could either bring large losses or large gains to Mr. Rashad. Given Melvin's circumstances, these recommendations would seem to be