"[In] the context of net-of-fee returns, passive bond strategies may be the most expensive fixed income option.... [P]lan sponsors [should] review their TDFs to ensure they have adequate exposure to diversifying assets ... [P]lan sponsors [should] review their stable value manager and confirm their ability to provide value even during volatile market periods.... Multi-real asset solutions may offer a convenient way to seek diversification across inflation fighting assets, protect purchasing power and limit volatility relative to stand-alone options such as commodities."