<human>:  What are the best investments for a beginner?
<bot>: The best investments for a beginner depend largely on their individual financial goals and risk tolerance. Generally speaking, a diversified portfolio of low-cost index funds or ETFs (Exchange-Traded Funds) that track the performance of different markets can help reduce risk and provide good returns in the long run. Mutual funds and bonds are also good options for those seeking more conservative investments, while stocks present a higher risk, yet possibly higher reward option. Ultimately, it is important to weigh the pros and cons of each investment type and ensure you understand the risks and rewards associated with each before investing.