Investors are pouring cash into mutual funds with real estate holdings, but since most banks don't offer these portfolios, they've missed out on a burgeoning market.

The funds, which invest in real estate investment trusts, or REITs, have had a 12-month return of 30%. But they remain the domain of fund companies like Fidelity Investments and Vanguard Group as well as less-known Cohen & Steers.

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