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What is the safest way to invest other than whole life insurance?

I understand now that term life insurance is the way to go, and then open up a Roth IRA. We are going to meet with our financial adviser and I would like to do more research, hence I'm asking you: What are some other safe ways to invest our money-- other than whole life. Is there something else that is safe that falls between whole life and buying a bunch of risky stock ?

Public Comments

1. Mutual funds & bonds.
2. First of all, please trust your adviser on this issue. If you don’t trust him/her, please talk to other advisers or invest yourself. Secondly, it is correct that you should not invest in whole life insurance only. Your advisers should not tell you that. I personally don’t think whole life policy, even though is a great investment tool, it is not everything a person need. However, life insurances are great investment tool for thing such as, preparing for sudden death, retirement, mortgage payoff, child education fund, tax sheltering, long term care, and so on. Seems you can learn more about annuities too. Good luck.
3. Consider buying term life insurance instead and invest the difference. Review some no-load mutual funds if you really want to save money. You might even consider buying a duplex in your area and renting it out. There will always be renters and you could keep it as you're retirement plan income.