"Rather than rely on the employee to determine the correct point of view of his personal adviser, it may be more reasonable to place that responsibility on the fiduciary duty of the plan sponsor who then can offer employees with the proper menu of the core building blocks.... Once limited to the domain of institutional players like university endowments, these Alternative investments (Alts) now find themselves readily available in product form -- the kind of product that can easily find itself in a 401k plan menu. Can what works for institutional investors work in a similar manner for individual investors?"