Tim and Tom are brothers who split a large inheritance. Tim used all of his money to buy a company that manufactures a single product used in high-tech industries. Tom used his money to lease two small retail stores in a nearby mall, one that sells candles and another that sells yogurt. He also purchased inventory and equipment to start the businesses. Assuming that neither of the brothers has any experience in his new endeavor, which of the brothers has the greater investment risk, and why?