Sunny27-I think that a 401K is easy for most people to invest in retirement because you just have to establish what percentage of your salary will go into the account and you never see that money.
This way you can get used to saving for retirement and not worry about it. However, there are limits to how much you can contribute each year. The 401K rules state that the maximum yearly contribution is $16,500.
If you are 50 and over there is a catch up provision that allows you the opportunity to invest an additional $5,500 beyond the maximum limit.
If your company does not offer a matching for your 401K contributions then you should consider opening an IRA account. You can open a traditional IRA if your income is too high for the Roth IRA.
The traditional IRA works like a 401K but you can invest in any security you would like. You can invest in mutual funds, bonds, stocks, and even real estate. This money grows tax deferred until you retire.
The Roth IRA grows tax free and you have to pay taxes on your initial contribution each year.