I get that. I may be asking the wrong question, cause what I'm really wondering about is alternatives. It was a surprise to me that it recommended 10-20% of my portfolio should be in alternatives (I'm under 2%, I think). The international part I understand where they're coming from. Alternatives... not so much.
Are there diversified funds or indexes you can invest in?? I'm wondering what I need to look up, learn about, etc. Curious if it's really necessary part of a portfolio - what is it that made it so significant in that analysis? I thought I was pretty widely diversified between index funds and bonds, but this is making me question.