"As time runs out for baby boomers to beef up their retirement savings, portfolio manager Daniel Oldroyd sees collective investment trusts gaining traction among defined contribution plans. Besides offering uncorrelated, actively managed assets -- everything from equities to real estate to commodities -- these custom solutions can have lower fees than mutual funds.... Still marketed only to qualified retirement plans, CITs also offer a flexible expense structure. Despite tough new Department of Labor fee disclosure guidelines that take effect next month, advisers expect these traditionally opaque funds to keep most of their operating cost advantage over mutual funds."