Assume you are a Registered Investment Advisor (RIA) in the present who has been operational for over one year. There are 20 chosen holdings as shown in the material i provided later. Use the methodology of combination of risk and return expectations into a mean-variance optimisation (MVO). Write a portfolio construction methodology as a part of the proposed portfolio prospectus. Subsequent approaches such as the Black-Litterman model should be mentioned as well in the paper.