How to write a if and statement with two variables and six possible outcomes?

I'm trying to create an investment allocation spreadsheet. There are two variables, Income (yes/no) and risk tolerance (0-4,5-7,8-10). There are 6 answers. How would I write the if and statement to allow for the two variables and generate the 6 answers?

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Data Range

	A	B	C	D	E	F
1	Risk Tolerance	Yes	No		Risk Tolerance	No
2	0	0-20%	0-30%		5	30-60%
3	5	20-40%	30-60%
4	8	50-80%	60-90%
5	------	------	------	------	------	------

This formula entered in F2:

=VLOOKUP(E2,A2:C4,MATCH(F1,A1:C1,0))

Like so:
Data Range

	A	B	C	D	E	F	G	H	I
1		Income
2	Risk Tolerance	Yes	No			Risk	Income	Percentage
3	0	0-20%	0-30%			3	No	0-30%	=INDEX($B$3:$C$5, MATCH(F3, $A$3:$A$5, 1), MATCH(G3, $B$2:$C$2, 0))
4	5	20-40%	30-60%			7	Yes	20-40%
5	8	50-80%	60-90%			9	Yes	50-80%

Thanks for the help.

You're welcome!


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