If you're talking about Marxism, you're misunderstanding the division between bourgeoisie and proletarians; stocks, pensions, 401k, whatever, does not count as means of production; the division is between the proletarians, who almost always have nothing to sell but their labour-power and the bourgeoisie, i.e a class of people who own the means of production.
Further, you're using "exploit" as a prejorative, which it isn't necessarily; Marx's idea of exploitation is removed from what we think of as exploitation (in a negative sense); it's exploitation just as you'd exploit a car or something like that - you make use of it, use it up. Machines are also exploited in the same way. Nevertheless, the goal of the Marxists and indeed Communists in general is to abolish this exploitation.
Your simplification does not make the anti-capitalist plight any weaker, and in fact it just goes to show how much the ideas of the Communists are miscommunicated and misinterpreted. It could be said, with the shrinking of the number of people who are self-employed (actually, things like freelance programming forming an exception) that the model of proletarians and bourgeoisie is just as relevant if not moreso today than it was in the 19th century.
I advise you to read modern Marxist works, such as Spectres of Marx, The Society of the Spectacle by Guy Debord, and particularly almost all of Zizek's work (in particular The Sublime Object of Ideology), which I must recommend. Of particular note is The Culture Industry by Adorno, commonly associated with the Frankfurt School.