Here are some good investing options for beginners:

– Savings accounts – Putting money in FDIC insured savings accounts allows you to earn interest with no risk. Interest rates are low but it’s a safe place to start.

– High yield savings accounts – Online banks offer savings accounts with higher interest rates, up to around 1-2% annually. Also FDIC insured.

– CDs – Certificate of deposits lock your money up for a set period of time (i.e. 5 years) in exchange for a higher guaranteed interest rate.

– Money market funds – These invest in short-term debt securities and pay out dividends. Returns are higher than savings accounts but slightly riskier.

– Robo-advisors – Apps like Betterment and Wealthfront automatically invest your money across ETFs and index funds once you deposit funds. Takes the guesswork out.

– Target date retirement funds – These mutual funds automatically adjust your asset allocation between stocks and bonds as you near retirement. Hands-off approach.

– Index funds – Offer broad market exposure and low costs. Good for “set and forget” passive investing for beginners. Examples are S&P 500 and Total Stock Market funds.

– Dividend stocks – Stocks that pay out regular dividends can provide lower-risk income. Look for established companies with steady dividends.

– Bonds – Government and corporate bonds offer fixed income over time and relative stability. Shorter duration bonds have less rate risk.

– Real estate crowdfunding – Platforms like Fundrise let investors buy into real estate properties with minimal capital through crowdfunding.

The key for beginners is avoiding complexity and risk until you build experience and knowledge. Start simple!