The Balanced portfolio has modest year over year gains but the employee portfolio with company stock LOW as its largests holding still has a negative 5yr APR. If you are near retirement I would be moving money in the direction of the Balanced portfolio asset allocation. The money market fund and the GIC are its two largest holdings but there are several other funds in the plan with positive 5yr Sharpe ratios. In the scan Vanguard target date retirment funds without 5yr data are represented by Dow Jones target date funds.
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