The correct answer is: None of the above.
Mutuality and diversification are both important concepts in investing. Mutuality means that funds from various individuals are combined to invest in a portfolio of assets. This can help to reduce risk by spreading out investments across a variety of asset classes. Diversification means spreading out investments across a variety of different assets, such as stocks, bonds, and real estate. This can also help to reduce risk by minimizing the impact of any one investment on the overall portfolio.
Both mutuality and diversification are important concepts in investing, and both can help to reduce risk. However, neither concept is a guarantee against loss. It is important to remember that all investments carry some degree of risk, and that past performance is not necessarily indicative of future results.