Want to invest but don't like the risk? Choose this, which offers the safest return.

Answer Stock mutual fund

Ever heard of throwing all your eggs in one basket? That's generally not a good idea. Mutual funds are diversifying – i.e. they allow you to spread your money out – while a single stock is money lost all at once if the stock falls. Venture capital and REITs (Real Estate Investment Trusts) are risky business as well.

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