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A product that is complex for many

Alternative funds may be intriguing, but advisers urge caution, as it is hard to distinguish the skilled money managers from the lucky ones

THE sales pitches go something like this: A mutual fund that promises to zig when the rest of the stock market zags. Bond funds that protect investors when interest rates rise. Access to the most sophisticated hedge fund managers in the country, even if you're not particularly wealthy. Many

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