<human>:  I want to start a retirement fund. What are the best low-risk investments for someone in their 30s?
<bot>: A common low-risk investment for someone in their 30s is to invest a portion of your retirement fund into a mix of mutual funds and index funds. Mutual funds allow you to spread your investments among multiple stocks, bonds and other asset classes. Index funds are passive investments that track a specific market index, such as the S&P 500. This combination of mutual funds and index funds provides diversification at a low cost and can help minimize risk in your portfolio. Another low-risk option is to invest in certificates of deposit (CDs) or government-backed bonds. CDs and government-backed bonds offer guaranteed principal and fixed interest rates, which are usually lower than market returns on stocks or bonds.