Comment Re:Personal finance knowledge (Score 2) 583
Your company has to provide the option for a 401k. If they don't, and they also don't offer any other retirements savings plan, there are self-directed ones that require more research. If they do offer a 401k, you need to at least withhold enough to fully get the company match, or you're throwing away money.
The next step is to max out Roth IRA contributions (general $5500/yr, last I knew). These are both tax-deferred and tax-free upon withdrawal, and there's an income limit on contributions--so investing in them young is very valuable. Roth IRAs you do yourself. Lots of reputable companies will set these up for you. Generally, a retirement account that has a periodic deposit attached to it should have no fees. They'll also provide help getting it set up. If you can't get those two things, find someone else who will. Fidelity and Vanguard are good options.
After that, there are many options. If your 401k is good, you could just increase the withholding on that.
Use big, popular index mutual funds with low fees. If you're young, lean toward stocks. Say, 10-20% bond index fund and 80-90% equity indexes. Equity indexes should be mostly domestic but some international and should include both large-cap and small-cap. A typical boring 401k portfolio for a young person might be 10% bond index, 55% S&P 500 index, 20% international index, and 15% small-cap index.
When you change jobs, roll your 401k over into an IRA so that you're using your preferred vendor and have better control of it. You'll find that the company getting your money is happy to help you set that up.
Once you have substantial retirement savings, particularly under a single company's umbrella, investment advice becomes much cheaper and easier to come by.