April 9, 2012 Symbol: HIINX Expense ratio: 1.16% 800-422-1050Harbor International is an international stock fund and a member of the Kiplinger 25. The four managers focus on companies rather than countries and seek cheap stocks they can hold for the long term. Recently, the fund had 61% of assets in Europe, 6% in Brazil, 8% in Japan and 25% in other nations. 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.