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This information is for information purposes only. Past performance is no guarantee of future results. This information represents the current opinion of the firm based on sources deemed and the information and statistical data contained herein are based on sources believed to be reliable, Wilshire Funds Management does not represent that it is accurate and should not be relied on as such or be the basis for an investment decision. Investing involves risk including loss of principal. ⓒ 2013 Wilshire Associates Incorporated