What is the safest way to invest my money.?

Safe is a subjective term. The principle can be "safe" in an FDIC insured account.... but the buying power of what's left after taxes and inflation will leave you with a negative number after several years. You simply won't be able to buy as much with what's left in the account in 10 years.

Stocks have traditionally been a better investment than savings & bonds. But there is short term risk.

Finally:
Looking for an answer to this question on Yahoo Answers makes no sense. You don't know the qualifications of the people giving the answers. Be careful.

http://www.hsbcdirect.com/

6.00% on a money market account.

if you were talking about stocks and mutual funds, sorry.

floating rate funds, money market funds, if you have a large amount over 10k, the safest would be mutual funds or bonds. mutual funds have high expense ratios, meaning they take fees from your portfolio, but if you leave it in there long term, it will grow without a doubt.

US Government bonds, textbooks consider them risk-free investments

24% Annually.

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