Please explain mutual funds in complete layman's terms?

you, , hopefully, many others buy (hopefully) large fund of money fund's "experts" invest. may buy shares in companies, bonds (which government issued certificates guaranteed return) futures (which bets on worth @ specified future time) if "experts" invest wisely, fund (and you) make money. if "experts" screw up, lose.

stock market has gained in value since started. there temporary setbacks, on time market overall value has increased.

investment in china has shown terrific returns central government relaxes sphincter capitalist devils in west. in non-democratic country, there risk rulers change rules.
funds graded risks take. conservative funds careful money don't pay much. speculative funds can pay more or can lose bigtime.
small investor doesn't have access up-to-the-minute information , late getting in on thing (so it's not anymore)
if don't know doing, buy solid stock in blue chip companies , hang on stock.

eg are, how work, etc.

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