• If your employer is matching a percentage of what you are contributing, by all means put in up to the % that is being matched.  This is basically "free money". It is also pre-tax - which means you are not paying income tax on this right now. 
• If your employer has stopped matching, look at your tax return - if eliminating your contribution doesn't move you into another tax bracket, consider some other alternatives.  NO MATTER WHAT - DO NOT STOP CONTRIBUTING TO SOME TYPE OF RETIREMENT FUND.
• Consider opening a Roth IRA.  This is done with after tax dollars and grows tax free.  As with any type of IRA, this can be invested in mutual funds, annuities, CD's.  You can contribute $5000/yr and if you are over 50 years old, you can contribute $6000/yr.
• Make sure you choose a way to have the money deducted from your checking account or paycheck every month.  You will never miss it if you do this. Investment companies have different guidelines on how they take contributions.

This topic is more complex than what I have room here to explain, but I wanted to share some tips that get you started being knowledgeable about some of the options that are available.  These are NEVER a one size fits all type of answers.  We all have individual needs, goals and beliefs.  Personally, I am a firm believer of having both a traditional IRA, 401(k), etc. that grows tax deferred AND a Roth IRA that grows tax free.  A Roth IRA has more flexibility than other types of IRAs and may help with income options in retirement.

Hope this helps and thanks for asking!  I love helping my clients with questions just like this!  After we go over their employee benefits and retirement statements, my clients have a clear understanding of what they have and feel confident moving forward. Let me know if you have something on your mind: