This plan was helped by company stock, NJR, and in my opinion hurt by the stable value fund's artificially high Sharpe ratio. WFSVX has a Sharpe ratio over 10 which acts like a money magnet.
The so called Balanced portfolio has 81.7% invested in WFSVX. The plan has several good bond and equity funds that would be in my portfolio like CWGIX and DODFX which have less than 1% of the Balanced portfolio. Keep in mind that you cannot reduce all decisions to a calculation.
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