Apples and oranges.
What're the risks associated with whatever specific fund the stocks are being compared with? And, if you don't have the specific figures for a particular fund why quote data in relation to that fund? This location:
http://www.stockmarketnigeria.com/fo...nds-insurance/ is meant for discussing the merits of any mutual funds available. And, if you have some hard data about your favourite fund, we should be glad to consider the fund.
Cheers.