April 30, 2012 Symbol: HACMX Expense Ratio: 0.94% 800-422-1050Harbor Commodity Real Return Strategy is a member of the Kiplinger 25. Commodities may be volatile, but they can provide a hedge against inflation. Manager Mihir Worah invests in futures linked to a commodity index and backs them up with inflation-protected bonds and other IOUs. See FUND TABLES: Kiplinger 25 at a Glance for the complete list of our favorite no-load mutual funds. Visit Kiplinger's Model Portfolios for three examples of how you can put Kiplinger 25 funds to work. The portfolios are designed for investors with differing time horizons and levels of risk tolerance. If you find them too aggressive, cut back each basket's allocation to stocks by ten percentage points. If you're investing in a taxable account, replace one or more of the bond funds with Fidelity Intermediate Municipal Income (FLTMX). And for a collection of all our Kiplinger 25 content, see KIPLINGER 25: A Guide to Our Favorite No-Load Funds.