For beginners in investing, it would be safer to invest in a mutual fund. Normally, a diversified (less risk) mutual fund is a mix of different stocks, bonds, and cash. Funds are managed by professionals. On the other hand, funds may have less return on investment. Non-beginners in investing could try to analyze stocks by themselves. It takes time to become a good investor; also investing in individual stocks is riskier. Some advices available
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