In an object-oriented program, what does declaring an instance variable to be public or private indicate about data coupling? what would be the rationale behind a preference toward declaring instance variables as private?

Why is investing in a mutual fund less risky than investing in a particular company's stock? a. mutual funds only invest in blue-chip stocks. b. investments in mutual funds are more liquid. c. mutual funds hold a diversified portfolio of stocks. d. investments in mutual funds offer a higher rate of return.