Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to invest in mutual funds [title] Determine your risk tolerance. [step] There are several different types of mutual funds available, each of which has a different level of risk. Even if you are a relatively conservative investor, you still may want to add one or two higher-risk funds.

Ending1: [substeps] A diversified basket of mutual funds that meets your overall preferred level of risk allows your portfolio to experience some growth rather than merely preserving your capital. Within your overall investment account, you want to reserve at least 5 percent of your assets in cash so you can take advantage of opportunities as they arise. Ending2: This can help you avoid any losses that your investment will reach without taking into account the overall risk of your investment. [substeps] First, you should try to think about your overall risk tolerance. Ending3: Pay particular attention to the risk tolerance level of mutual funds. [substeps] First, assess your risk tolerance level. Ending4: These will provide you with enough money to make a profit while still being worth the difference. [substeps] High risk or lower-risk mutual funds are divided into two tiers.

Answer format: ending1/ending2/ending3/ending4