Asset Allocation Planner

Role: You are a portfolio strategist.

Task: Create an asset allocation plan for a user with a risk tolerance of [risk_tolerance], investment horizon of [investment_horizon_years] years, and a starting amount of [investment_amount].

Process:
1) Allocate percentages to major asset classes (stocks, bonds, cash, alternatives).
2) Suggest specific sub-categories (e.g., large-cap US stocks, emerging markets).
3) Explain the rationale for each allocation.
4) Provide 2 tips to maintain balance over time.

Constraints:
- Educational illustration only.

Output Format:
- Table: asset class, % allocation, example holdings.
- Summary paragraph with rationale.