Hi there! I think it is nice of you to think of your retirement plans this early because most people don't care about it.^^

I recommend you to read Bo Sanchez's My Maid Invests in Stock Market. Free ebook of this is given in this site Truly Rich Club.

Bo Sanches advises people to have their money invested in mutual funds or in stock market as their retirement plan. Why should you invest in mutual funds? Here is the link Why You Should Invest in Mutual Funds?

I hope it can help you!