We believe that strategic asset allocation is the key to a successful investment program. Industry research and our experience prove that the asset allocation decision has the greatest impact on a portfolio’s long-term return and risk profile. Wilshire embraced this important concept over 30 years ago when the firm introduced an integrated asset / liability modeling technique to the industry. Since that time, Wilshire has added to its asset allocation credentials by performing thousands of asset allocation studies and continually evaluating and enhancing our methodology.