Which two investment options would be best if you are 45 years old, just starting to save, and want to retire when you are 65? consider the kind of investment, rate of return, level of risk, and other factors.

this is an open essay question, but here are some investment types to consider: certificate of deposit; individual retirement account; money market account; stocks; bonds; mutual funds; futures; traditional bank account.

you don't have to go in detail, i have background information on all the investment types already, i just need picking the two most relevant for this question.