Which of the following statement(s) is/are true? 1. Since mutual funds are just collection of stocks (or other investment securities), retail investors (average/basic investors like you or I can construct and maintain them as easily as professional. II. For mutual fund, the internal rate of return is the true average return that the investors will get III. In general, there is a positive relationship between risk and return. This means risk is a good and investor should seek more risky projects to maximize returns. O I only O ll only O Ill only O I & Ill only None of the above answers