17th-century innovation in the Netherlands and Britain, allowing shared investment in trade missions, spreading risk, and contributing to the growth of capitalism. rephrase like a 8th grader

In the 17th century, the Netherlands and Britain came up with a clever idea that helped them in trading. They started pooling their money together with others to invest in trade missions. This way, if something went wrong during the mission, they wouldn't lose everything because the risk was shared among many people. This new approach helped capitalism to grow and became a successful way to do business.