Given a growth mutual fund, California municipal bond, dividend paying stock of a large Diversified multinational company and one other investment related products of any kind that can be freely chosen at the authors Discretion, give a summary of specific clients for whom the investment may be appropriate as well as those for whom it may potentially be inappropriate. the successful submission will clearly and concisely explain in plain language the reasons why each of the four investments discussed may individually suit a particular type of client or not. (Address each alone; they are not to be evaluated together as an overall portfolio.)  The optional investment should not closely resemble any of the three already provided.