<human>:  Should I invest my money in a stock market index fund or individual stocks?
<bot>: It is up to you to decide what kind of investment is right for you and your goals. An index fund may be a good option if you are looking for a low-cost and diversified approach, as index funds are composed of a variety of stocks that match a market index such as the S&P 500. Individual stocks require more due diligence and research compared to index funds, but can potentially offer greater returns if chosen wisely.