Which are the best mutual funds and which is the best way to invest in them?

Generally speaking, international ones which have exposure outside of the U.S. stock market. Reason why? U.S. stock market has not been performing to well the past few years and the dollar is getting weaker. The dollar has lost 40% of it's power the past 4 years and is headed south.

To give you an idea, the dollar went off the gold standard back in the 1970's has has been getting printed like anything. If the dollar went back on the gold standard, it would take $52,000.00 being destroyed to be replaced with each ounce of gold (going rate for an ounce of gold is about $620.00 USD).

Also, countries like China, which ownes about 30% of U.S. debt) is growing like crazy. Invest in developing countries.

Good luck!

Invest in the top rated bank in yur country. Its safe and very convenient...

A. Savings & Cd's are not investments. Over many years you don't "win" because of inflation and taxes. Savings is good only to: Have an emergency fund & part of a greater plan (asset allocation).
B. Market timing rarely works. Although I believe International Funds are a "good bet" right now, I've only allocated an additional 5% to that category. Gold, Silver (etc.) are only investments for people that really understand investing.

LEARN: ASSET ALLOCATION

Spend some time and read a couple of books on retirement investing.

For Mutual Funds, the best bet (to spread out your "asset allocation" is no-load, low fee Mutual Funds. Don't chase performance, only use it as a guide and compare against peers. The "favorite" Mutual Fund this year can be a ,loser next year.

READ READ READ. Take some time. This is too important to just "jump in" without understanding. Taking specific recommendations on this forum is the path to not making money (for the long term).......

Good luck!