<human>:  What is the smartest and safest way to invest my money?
<bot>: The smartest and safest way to invest your money is to diversify your portfolio and invest in a variety of different asset classes. This means investing in stocks, bonds, mutual funds, index funds, exchange-traded funds (ETFs), commodities, treasury bills, and CDs. Doing so can help you balance risk and potential returns, and also allows you to benefit from the different strategies and strategies of different asset classes. When investing, it's also important to do research on the particular investments you're considering, and understand the risks involved.