If there is one thing that mutual funds are, it’s safe. The reason for this, is because you are very diversified. Any given mutual fund can have hundreds or thousands of different stocks within its portfolio. It’s definitely a cheap way to get quickly diversified. The only problem with mutual funds is that most of them don’t ever beat the S&P. Their rate of return isn’t the greatest. That’s when I started learning more about forex trading. I saw that most people were getting a much higher rate of return on a yearly basis trading the forex market over the stock market.