Infografia finanzas: fondos índice vs acciones

Finance infographic titled "Index Funds vs Stocks". Archetype: CONCEPT EXPLAINER with 5 numbered stages for an absolute beginner, comparing how index funds differ from individual stocks in a simple side-by-side learning flow. Include clear visual hierarchy, editorial finance magazine illustration, clean chart aesthetics, vector-clean infographic layout. Visual style: vintage WSJ ink-line engraving look, fine hatch shading, elegant newspaper-style financial illustration, navy & emerald palette with off-white background, calm trustworthy educational mood.

Block 1 — "What You Buy"
Key number: "1 fund = many companies | 1 stock = 1 company"
Caption: "An index fund spreads money across many businesses, while a stock gives ownership in a single business."

Block 2 — "Diversification"
Key number: "Example only: 500 companies vs 1 company"
Caption: "Broader diversification can reduce the impact of one company doing badly, but it does not remove market risk."

Block 3 — "Risk and Volatility"
Key number: "Example only: lower single-company risk vs higher single-company risk"
Caption: "Index funds usually move with the overall market, while individual stocks can rise or fall more sharply."

Block 4 — "Time and Effort"
Key number: "Example only: 10 min/month vs 5 hr/month"
Caption: "Index funds often need less research and monitoring, while stock picking usually requires more analysis and attention."

Block 5 — "Illustrative Growth Example"
Key number: "Illustrative example only: Kč10 000 @ 7%/yr for 20 yr = Kč38 697"
Caption: "This compound-growth example is educational only, not a forecast, and shows how long-term returns can build over time."

Block 6 — "Costs"
Key number: "Example only: 0.2%/yr fund fee vs Kč0 management fee + trading costs"
Caption: "Index funds may charge a small annual fee, while stocks may avoid fund fees but can involve trading costs and mistakes from poor timing."

Block 7 — "Beginner-Friendly Takeaway"
Key number: "Example only: start simple, invest regularly, think long term"
Caption: "For many beginners, index funds are the simpler starting point; individual stocks may suit people willing to research and accept higher risk."

Composition notes: large numbered panels 1 to 7, split visuals between basket-of-companies iconography for index funds and single-company certificate iconography for stocks, subtle arrows showing decision flow, simple comparison badges, small illustrative mini-chart for the compound example, CZK currency formatting throughout, no forecasts implied, prominently mark every number set as "example only" or "illustrative example only".

All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, no real bank / brokerage logos, no specific stock tickers as recommendations, no watermarks Example numbers labeled "illustrative" so readers do not treat them as forecasts. No real broker or bank logos. No specific stock tickers, crypto coins or fund names as buy recommendations.