Motley Fool offers a unique trio of stock picks to have in your 401(k) if you’re obviously planning to live a long and healty life after you leave the workforce.

So what better stock to put your cash in now than the very top pharmaceutical companies creating the medicine to keep a larger, longer-living population healthy?

“All three of these companies are developing game-changing drugs that could revolutionize patient treatment, and they all have the added benefit of offering investors a steady stream of shareholder-friendly dividend payments,” the Motley Fool explained.

The Fool’s trio:

Pfizer Inc. (NYSE:PFE)

“With fast-growing drugs on the market, plenty of financial firepower, and opportunities to grow organically and via acquisition, adding Pfizer to your 401(k), and pocketing its 3.7% dividend yield, could pay off,” the Fool explained.

Bristol-Myers Squibb (NYSE:BMY)

“In the past year the company's lost about $30 billion in market cap value, and given that declining shares have boosted its dividend yield to 2.7%, I think stashing Bristol-Myers Squibb's stock in 401(k)s now makes sense,” the Fool said.

Johnson & Johnson (NYSE:JNJ)

“Johnson & Johnson is one of healthcare's biggest bellwether stocks, and while it's so big that it's unlikely to generate double-digit growth in the future, its steady-Eddy nature makes it a cornerstone-type stock worth owning in a 401(k),” the Fool explained.

And if you are already planning on how to invest after you retire, statistics show you are far ahead of the curve.

Sadly, two-thirds of all Americans don’t contribute anything to a 401(k) or other retirement account available through their employer.

Millions aren’t saving on the job because they either don’t have access to a workplace retirement plan or they do but aren’t putting money in it. Many just can’t spare the cash, but a new analysis shows there are other reasons, Bloomberg reported.

"U.S. Census Bureau researchers have come up with estimates that rely on tax data, which should be more reliable than surveys. Their conclusion: Only about a third of workers are saving in a 401(k) or similar tax-deferred retirement plan," Bloomberg reported.

"Also, the gap is far wider than expected between the number of employers offering retirement plans, and the number of workers saving in them."

(Newsmax wires services contributed to this report).

• Census Bureau: Two-Thirds of Americans Aren’t Putting Money in Their 401(k)
• 3 Best Stocks for Your 401(k)