text: what's the safest way to invest money.funds or stocks and how?   start by opening a money market account at a mutual fund company (http://www.vanguard.com for example), read about mutual funds on the vanguard site, and start by regular, monthly investments in an index fund. then keep investing and keep learning!  also check out investing 101 at http://www.troweprice.com/common/indexhtml2/0,0,htmlid=101,00.html