Stocks vs ETFs: one company or a whole basket. Buying a stock like $AAPL means owning a slice of one company — your returns rise and fall with that one business. More upside potential, but also more single-company risk. An ETF like $VOO holds hundreds of stocks in one ticker, so one stumbling company barely moves your investment. You give up the chance of a moonshot, but you also give up the risk of one stock sinking everything. Most beginners start with ETFs for breadth and add individual stocks as they learn. Not financial advice.
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