IS IT A GOOD IDEA TO DO INVEST INTO MUTUAL FUNDS TO BUILD A RETIREMENT PLAN?

I am twenty-five as well as during my pursuit I’m not offering any kind of 401k plan. Is it the great thought to deposit in to mutual supports to set up my early retirement plan? As they say, begin early. What have been my options upon this?
I was refered by the crony to speak to the monetary advisor, she is operative p/t underneath primerica with 3 opposite investing companies. According to all the numbers I provided, she advises me to use Franklin Templeton Fund Allocation, I do not know most about any avaialble investing companies so I am really mislaid in vernacular as well as the numbers.