<prompt> Human: Do you guys think that retirement vehicles commonly used, like mutual funds, might be a bit outdated and less applicable in this day and age? Some context: After seeing my father diligently contribute to his employers 401k, and after slowly contributing more and more to my own ROTH IRA and 401k, I cant help but notice how abysmal the returns have been for the both of us. My father is a well paid corporate director and has attractive matching from his Fortune 500 company, but claims his 401k is basically in the same place it was 15 years ago in spite of doing the right thing. Thus, hes working several more years to make up the difference. My own accounts are basically the same value as well since I first started investing some 5 years ago, and its making me worried since Im pretty sure Im just following inflation at this rate, especially considering my low income. Its scary to think another 15 years could go by, and my limited income wont allow me to play any kind of catch up thats compelling enough to write home about.My fear is that Millennials are being told that if they contribute regularly to their 401k, that they will be able to retire at 70 like our parents...Much like when we were told if we went to college, we would be able to get decent jobs. I just feel like theres a pattern here, and Im worried we are all making a similar mistake of sorts, if that makes sense.Am I being too pessemistic and impatient? Should we trust in the system, or hunker down and get way more involved in investing than previous generations?  <response>: If your 401k today is the same as it was 15 years ago, you made bad contribution andor investment decisions. 