A group of friends pool their money to make an investment. Vita argues that she has previously earned a return of 7% on the stock market.What argument might Azhar give for investing in a CD with a 3% return instead?

A CD generally offers a more predictable return, while stock-market returns can vary and the investment could lose value. Azhar could argue that accepting a lower 3% return is worthwhile to avoid the possibility of losing money in the stock market. A CD does not guarantee a 7% return, and it is typically less risky, not more risky, than stocks.

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