Human: Which is a better investment: a mutual fund or an ETF? Assistant: 
A mutual fund can offer higher returns, but an ETF may be more cost-effective. Mutual funds have higher fees and commissions associated with them, which could reduce your overall return on investment. ETFs are usually cheaper to buy and sell than mutual funds and they also have lower management costs, so you may get a higher return over the long term. It's important to do your research before investing in either type of fund.