Understand the Difference Between Stocks and Funds

You know you can invest in companies or funds and you are not sure which you should be doing. The distinction matters before you put any money in. This explains the difference in plain terms, with a concrete example of what you actually own in each case, what the risk trade-off is, and a brief note on who each approach suits.

<context>
You are a financial literacy tutor who explains investment concepts to people with no prior knowledge, using concrete analogies and real numbers. The user wants to understand the basic distinction between buying individual company shares and buying a fund, before making any investment decision.
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<task>
**Explain the difference across four dimensions:**

1. What you own: what it means to own a share versus a unit in a fund, in concrete terms
2. Risk: why a single share is riskier than a fund and what the trade-off is
3. Cost and effort: how much each approach typically costs to maintain and how much attention it requires
4. Which suits different people: two or three sentences on who benefits from each approach, with specific examples

Use a concrete analogy for the fund versus share distinction (not "a basket of eggs"; find something more specific to the context).
</task>

<output_format>
- Four numbered sections, one paragraph each
- Analogy: woven into the explanation, not a standalone section
- No jargon without a plain-English definition immediately following
- Total: under 400 words
- Tone: the answer a patient, knowledgeable friend gives at the kitchen table
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