Reach your investment goals with these plans using our favorite no-load mutual funds. Thinkstokc By Nellie S. Huang, Senior Associate Editor April 1, 2016 We've constructed three portfolios using only funds from the Kiplinger 25,our list of our favorite no-load mutual funds, designed for investors with different goals, time horizons and levels of risk tolerance. (See Kiplinger's 25 Favorite Funds for the complete list of funds with their performances.) If you find them too aggressive, cut back each basket's allocation to stocks by up to ten percentage points. If you're bullish on stocks and don't lose sleep when the market turns hostile, cut back on your allocation to bond funds and hold more in stock funds.See Also -- Our Complete Guide to the Kiplinger 25 For Retirement: 11+ years away American Century Equity Income (TWEIX ): 20% Vanguard Dividend Growth (VDIGX): 20% Akre Focus (AKREX): 15% Vanguard Health Care (VGHCX): 15% DoubleLine Total Return Bond (DLTNX): 10% FMI International (FMIJX): 10% Homestead Small-Company Stock (HSCSX): 10% With growth as the primary goal, this portfolio holds 85% in stock funds, with one bond fund (Doubleline Total Return) for ballast. Advertisement For College: 6-10 years away American Century Equity Income (TWEIX ): 20% Vanguard Dividend Growth (VDIGX): 20% DoubleLine Total Return Bond (DLTNX): 15% FMI International (FMIJX): 15% Vanguard Health Care (VGHCX): 15% Pimco Income (PONDX): 10% Vanguard High Yield Corporate (VWEHX): 5% This package is ideal for building up a tuition fund for a kid with Ivy League stars in his eyes. Or you can use it for other goals &mdash say, an approaching retirement in a decade (or a bit sooner). With that shorter time frame, more bond funds (30%) are in the mix. For Income: Five Years or less DoubleLine Total Return Bond (DLTNX): 25% Pimco Income (PONDX): 20% American Century Equity Income (TWEIX): 15% Vanguard Dividend Growth (VDIGX): 15% Met West Total Return Bond (MWTRX): 10% Vanguard High Yield Corporate (VWEHX): 10% Fidelity New Markets Income (FNMIX): 5% This portfolio is designed for investors who want income and some growth. But it's also suitable for short-term savings goals, with the understanding that the closer you get to your goal, the more you need to cut back on your allocation to stock funds from the 30% level we've set here. This portfolio yields 3.4% Show comments