Mutual Funds
 Mutual funds are the safer route for  sensitive investors, however, since they are companies that buy up  pieces of stocks for individual shareholders. Since new shares appear  each day, investors have little control over the stock "pieces" they  actually own. No-load funds don't charge for buying or selling fund  shares. Load mutual funds charge loading fees dependent on the fund  manager. The net asset value or NAV, of the fund per share on the day of  purchase sets the purchase price.
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