Suppose someone effectively pools together investors' money and makes outsize returns due to actively managing away the complacency the author purports. Well, t

Suppose someone effectively pools together investors' money and makes outsize returns due to actively managing away the complacency the author purports. Well, then, any 401k holder is free to share in those superior returns by purchasing the security while the pensioner cannot. Caveat emptor, because ain't nobody looking out for you but you.