I assume he wants his money kept safe for when he retires or wants to make a purchase. Not "creative and new advice."

> creative and new

The best way to lose money fast -- chasing what's creative and new in the fund industry.

To scratch that itch you should devote no more than 5% of your investment portfolio, otherwise you are willfully shooting yourself in the foot. The rest should be kept in a passively managed portfolio.

If you want to have a little bit more fun, buy normal total-market funds with the majority of your portfolio, but put a little bit of money in specific areas- small cap value tilt, IT industry fund, etc.