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One way to improve retirement outcomes over time: add a mix of real estate to the traditional 60/40 portfolio. (Photo: Getty)

The U.S. continues to struggle to meet the retirement savings challenge.  According to a Vanguard study published earlier this year, the average 401(k) plan held a little more than $96,000 in assets in 2015; for the median plan, the number was just $26,400.  

A 2014 study by the Employee Benefit Research Institute found that about 40 percent of 401(k) plan participants had less than $10,000 in their accounts.

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