An ESOP (Employee Stock Ownership Plan)is generally more risky than retirement plans invested in diversified mutual funds.

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ESOPs tend to be more risky as they are invested solely in the company's stock, while retirement plans invested in diversified mutual funds have a mix of stocks and bonds from different companies, reducing the overall risk. ESOPs are also affected by the performance of the company, which can have a significant impact on the value of the stock, making it more volatile.

An ESOP (Employee Stock Ownership Plan)is Generally More Risky Than