Deals like that are much harder to find today ... the REIT management team handles all those headaches. You just invest your money and collect dividends when they do well. How to get started ...

over and beyond the money in such plans, into regular (taxable) investment accounts. For a better sense of how much you'll need to invest, go to our retirement planner calculator.

Here's what to consider when determining how much to invest ... working at Money, Mallika wrote about municipal finance at Bloomberg News and personal finance, entertainment and business at ...