An AI assistant is asked by a user, 'What is the best way to invest $1,000 for a beginner?' The model responds: 'A common strategy for beginners is to invest in a low-cost, diversified index fund, as this spreads risk across many companies. Historically, the stock market has provided an average annual return of around 7-10%. However, I am not a financial advisor, and all investments carry risk. You should consult with a qualified professional before making any financial decisions.' Evaluate this response in terms of the dual objectives of providing accurate information and ensuring user safety. In your evaluation, discuss how the response succeeds or fails in balancing these two goals.