Any time is a good time to begin investing. You do not have to know everything about investing to get started. That you can learn over time but investing is a must if you want to secure your financial future. You can start by being a conservative investor so that you do not risk too much, and in the mean time you begin your learning process.The best way to start investing is to deposit your money into interest bearing savings account. You can open this account in any bank and you will receive an interest of 2 to 4 percent, depending on the prevailing interest rates, on your money. The interest may not work out to too much but it is a start and we all know that starting is one of the most difficult things to do.Once you take the first step, you can think about investing in money market funds. You can do this investment through your bank and these funds offer better rates than interest bearing savings account. Usually money market funds are short term investments, and although your money will not be tied up for a long period of time, you will be making money through the interest you receive.Another low risk investment option is Certificates of Deposit but the advantage is that you will receive more interest than what you get through your savings account and money market funds. You will have to choose the duration of your investment and you will receive regular payments by way of interest until your Certificate reaches its maturity. You can purchase a Certificate of Deposit at a bank and the bank would be more than willing to insure it against any loss. When the Certificate matures, you will be paid not just your initial investment amount but also the interest that you have earned.These three methods are the best ways to begin investing so that you can make money while investing in low risk investment instruments.