While the term “mutual fund” is commonly heard in stock market discussions, it is not merely a stock market term — it refers to an actual financial product. A mutual fund is a regulated investment vehicle that pools investors' money to purchase a variety of assets, which may include stocks, bonds, or other instruments. Labeling it as just a “term” minimizes its function and role in the investment world. Unlike abstract jargon or generic market phrases, a mutual fund is a structured, purchasable investment tool. Investors buy shares in mutual funds to gain access to a professionally managed, diversified portfolio. These funds are real products with specific regulations, costs, performance records, and investment strategies — not just a buzzword. Clarifying this prevents confusion and promotes accurate understanding, especially for newer investors who may be overwhelmed by financial terminology.