This morning I listened to an episode of Frontline that was scary enough to have been written by Stephen King. Apparently, 401K's and mutual funds are not designed to save money for retirement, unless you're talking about the retirement accounts of mutual fund managers. Using administrative fees, asset management fees that would make a leech blush (and if a leech blushes, it's your blood rushing to its face) and marketing fees (essentially charging you for the cost of selling their fund to you in the first place) they have designed a system where the investor provides all the money, takes all the risk and gets thirty percent of the gain. What you think is a Real Estate Investment Trust, is an ice floe for you and your family to float on into retirement.
The happy ending to this ghastly story is that there is an alternative, (and here's why I'm mentioning it) that I've been recommending for years, low fee index funds.