please answer it

In 2019, Scotiabank's interest rate on GICs was 1% for a 1-yr term and 2.5% for a 10-yr term. (Scotiabank's mortgage rate for 1 yr was 3.6%, and 6% for 10 yrs.) The average annual return on the stock market (S&P 500) is about 10%. If you had $10,000 to invest, which option would you choose, and why? What does this tell you about the relationship between risk and return