The current economy gives great opportunities for investing. It’s practically buy one get one free! But don’t give your money to the fund managers. Instead, invest in index funds. Low-cost index funds. It pays in the long run, and that’s what you’re in for when it comes to retirement. My employer has an S&P 500 index fund with an overall cost of 0.18%. Look for something like that, preferably with even more stocks. 70% US stocks and 30% International. Unless you’re close to retirement, then you need some bonds in there as well. Rebalance every year to keep the right balance. Never ever ever have more than 5% employer stock.