As someone who has been investing for several years, I can share that stocks can be risky but have the potential for high returns if you choose the right companies. Bonds, on the other hand, are generally considered safer but have lower returns. Mutual funds offer diversification and are a good option for beginners who want a hands-off approach to investing.
I started with investing in stocks but quickly realized the importance of diversifying my portfolio with bonds and mutual funds for better risk management.