answer:Welcome to ask-public. How elementary an article do you want? That is, how much do you already know about the financial instruments themselves? Because one thing that few “scholarly articles” would tell you, I think, is “advantages and disadvantages of either of these vs. the other”. Advantages and disadvantages would be wholly dependent upon the individual investor. Those aspects would deal with the individual’s: – risk tolerance (and as well, the “perception of risk” that the individual has); – investment time horizon; – current inflation outlook; – starting net worth; – employment situation These could all be interlinked and very much age-dependent as well as temperament-dependent. For that reason an article that purports to be “scholarly” (and by that I mean “objective”) will have a hard time dealing with such subjective aspects of investing as an individual’s psyche. So the starting question still remains: How much do you already know? (That is, “really know” and not just “think you know” or “heard from some people” know.)