Sammy works for a company that allows him to contribute up to 10% of his earnings into a tax-deferred savings plan. The company matches a portion of the contribution its employees make based on the organizations financial performance. Although the minimum match is 25% of the employees contributions and the maximum match is 100%, the most likely company match is about 50%. Sammy is currently 30 years old and makes $35,000. He expects his salary increase in any given year to be at least 2%, at most 6%, and most likely 3%. The funds contributed by Sammy and his employer can either be invested in a mutual fund or a Treasury bond that earns 4.5% per year (compounded semi-annually). Sammy expects the annual return on the mutual fund to vary according to a normal distribution with a mean of 12.5% and a standard deviation of 4%. How should Sammy allocate his and his employers contributions to maximize the value of his account by the time he is 60 years old?