After a period where real estate has greatly outperformed stocks, people are starting to recognize that stocks have been overlooked, said Jim Cramer Monday on his "RealMoney" radio show . Investors are coming back to the stock market, but they are skeptical of Wall Street, and they're much wiser than they were in 2000 and 2001, said Cramer. Investors are not so interested in mutual funds -- they want to own individual stocks. They want to be told what to do and what not to do. They want to know what could change, so they can change with it. Those who have the time and inclination want to know how to do their own homework, he said. People don't want investment recommendations from brokerage houses; investors feel the major brokerages are too conflicted by investment banking. Investors also don't want the so-called "tools" offered by online brokers, said Cramer. "There are no tools that will tell you what to do," said Cramer. If there were, "I would have bought them whether they were from Home Depot ( HD) or blank brokerage house." People realize the days of pensions and Social Security are over. They have to save and invest for retirement themselves. But nobody will help them, said Cramer. It's too bad the electronic brokerage industry either isn't listening or is too scared to offer real, honest advice for fear of being wrong. If there is a mistake, people will accept it if there is accountability and a promise to try harder next time, he said. Former Major League Baseball star, investor and TheStreet.com contributor Len Dykstra joined Cramer to talk about Jacobs Engineering ( JEC) and Agrium ( AGU). Both stocks are interesting, said Cramer. Cramer liked the fact Jacobs has no debt and is a hurricane-rebuild play. Dykstra said Agrium is trading at one times revenue. Both companies report earnings this week.