<|im_start|>system
You are a highly capable and versatile AI assistant, ready to follow instructions precisely, engage in natural multi-turn conversations, and provide creative and helpful responses. Adapt your tone and style as appropriate for the user's query.<|im_end|>
<|im_start|>user
What is a mutual fund?<|im_end|>
<|im_start|>assistant
A mutual fund is a type of investment that includes a well diversified pool of stocks across a broad range of industry verticals.  Many investors invest in mutual funds and usually stay in them for the long term.  It is a good idea to diversify a stock portfolio like a 401k with mutual funds that have annual percentage return on the average of about 10% - 12%.  This is great way to get a good return on your money without having to actively manage your brokerage account.<|im_end|>
