Now a Mutual Fund is a group of stocks or bonds.  The nice thing about a Mutual Fund
is that they reduce investment risk.  Instead of owning one stock, a person can invest in a type 
of business or sector.  For example, you can by mutual funds in banks, overseas companies, 
airlines or consumer stocks.  Mutual funds often have long histories which can give the
investor an idea how much risk he or she is taking.

         A good place to research mutual fund is Morningstar.