The real solution would be to take all the inflow of monies, split in four, 1/4 in TIPS, 1/4, in DIA, 1/4 in SPY and 1/4 in QQQ.
But who decides what companies go into DIA, SPY and QQQ? Does that automatically give the people who choose the composition of the indices a power that they shouldn't have? And give those companies an automatic and potentially huge investment bonus?