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Stocks vs. Funds: It All Depends
Kiplinger's Personal Finance
|September 2025
Choosing between individual stocks and equity mutual funds depends on your preferences, financial goals and risk appetite.
Including common stocks in retirement portfolios can mitigate the adverse effects of inflation. On the other hand, a mutual fund enables many investors to combine their money with a professional investment manager, buying and owning shares in the fund rather than individual company shares owned by the fund.
A balanced portfolio holding stocks and mutual funds can offer reassurance and confidence in your investment strategy. Here's what you need to know:
CONTROL
Individual Stocks: You select which company shares to buy and sell.
Mutual Funds: The investment manager has total discretion.
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