Re: i\'m opening a roth ira and plan to put in it 3k/yrs
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what is the safest way for me to invest...
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Safest? Cash, or US treasuries.
However, I assume you're looking for better returns that that. With only 3k/yr to start with, I'd look into someone like Vanguard's Target Retirement line. They diversity for your (all sorts of bonds, domestic and international equities, and large and small cap equities).
I'd read up on things a bit first. I suggest Malkiel's A Random Walk Down Wall Street or Bogle's Common Sense on Mutual Funds.
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