<human>:  Should I invest in stocks or in a mutual fund?
<bot>: It depends on your personal investing goals and risk tolerance. Stocks typically have higher potential returns, but also involve more risk compared to mutual funds. Mutual funds offer a diversified portfolio with professional management, but with the potential to earn lower returns. Before making any investment decision, it is important to consult with a financial adviser to discuss your goals, time horizon, and risk tolerance.