<human>:  What is the safest way for a 20 year old to invest their money?
<bot>: The safest way for a 20 year old to invest their money would be to diversify their investments by spreading their money across multiple products such as stocks, bonds, index funds, and possibly real estate. A diversified portfolio can help protect them from sudden losses in one type of investment, while still giving them the chance to earn returns. It is also important to keep an eye on the risks associated with any type of investment and stay informed about changes in the market.