Work-related retirement accounts may offer stock in your company as one of the choices. If that’s the case, it may be one of 3 best ways to invest, says Motley Fool.

“I have only worked for one company that has even offered a 401(k), and the only stock I could buy at the time was that of my employer,” according to the website. “However, that's actually not a bad option because it allows you to participate in the value you are creating for the company's investors. As that value increases, it serves as an incentive to continue working hard.”

A major risk with owning your company’s stock is that you could lose your savings if the company declines or even goes bankrupt. Just ask any former employee of now-bankrupt Lehman Brothers Holdings Inc., which granted company stock as part of its 401(k) matching program.

Cerner Corp. (CERN) is a good stock to own, according to Motley Fool.

“Cerner is a leading healthcare information technology supplier that provides a range of software, hardware, and services to thousands of hospitals and facilities around the world,” according to the website.

The Vanguard Total Stock Market ETF (VTI) is a way of getting a diversified portfolio of equities because it has shares in every company.

“The fund has exposure to over 3,500 different stocks -- so there's plenty of diversification. Additionally, its expense ratio is just 0.05% -- extremely low,” according to Motely Fool. “If your plan doesn't offer this specific ETF, I'd suggest aiming for a fund with similar diversification and low costs.”