An individual investor is a person, like you or me. In this
example, assume we are each a rowboat in the ocean. An
institutional investor is a business. It may be a mutual fund
company. It may be a company that manages the retirement fund for
teachers in your state. In this example, assume the institutional
investor is an ocean liner. Now think of the rowboat and the ocean
liner. Which makes the bigger wave? Which affects the other? Which
can withstand a storm better?