Reach your investment goals with these plans using our favorite no-load mutual funds. Thinkstock By Nellie S. Huang, Senior Associate Editor Updated April 2019 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 No-Load Mutual 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 With growth as the primary goal, this portfolio holds 85% in stock funds, with one bond fund (Fidelity Strategic Income) for a touch of ballast. Dodge & Cox Stock (DODGX): 20% Primecap Odyssey Growth (POGRX ): 20% DoubleLine Total Return Bond (DLTNX): 15% Parnassus Mid Cap (PARMX): 15% Fidelity International Growth (FIGFX): 10% Oakmark International (OAKIX): 10% T. Rowe Price QM U.S. Small-Cap Growth Equity Fund (PRDSX): 10% For College: 6-10 years away 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 — say, an approaching retirement in a decade (or a bit sooner). With that shorter time frame, more bond funds (35%) are in the mix. Vanguard Equity-Income (VEIPX ): 20% DoubleLine Total Return Bond (FMIJX): 15% Metropolitan West Total Return Bond M (MWTRX): 15% Oakmark International (OAKIX): 15% Primecap Odyssey Growth (POGRX ): 15% T. Rowe Price Small-Cap Value (PRSVX): 10% Vanguard Wellington (VWELX): 5% Advertisement For Income: Five Years or less Short time frames require more caution. This package holds 70% of its assets in bond funds. It yields 3.1%. DoubleLine Total Return Bond (DLTNX): 25% Fidelity Strategic Income (FSICX): 20% T. Rowe Price Dividend Growth (PRDGX): 15% Vanguard Equity-Income (VEIPX): 15% Vanguard Short-Term Investment Grade (VFSTX): 15% Fidelity New Markets Income (FNMIX): 5% Vanguard High Yield Corporate (VWEHX): 5%