This recommended investment portfolio is one of 20+ mutual fund portfolios that we've assembled for investors with different time horizons and risk-tolerance levels to consider. Visit our Portfolio Finder to see them all. View Another Investment Portfolio: Aggressive ETF Portfolio Balanced ETF Portfolio Balanced Mutual Fund Portfolio Contrarian ETF Portfolio ETF Portfolio for Growth and Income ETF Portfolio for Long-Term Growth Fidelity Moderate ETF Portfolio High-Income Combo Portfolio High-Yielding ETF Portfolio Higher Risk, Higher Yield ETF Portfolio Higher Risk, Higher Yield Mutual Fund Portfolio Kiplinger 25 for College: 6-10 years away Kiplinger 25 for Income: 5 Years or less Kiplinger 25 for Retirement: 11+ years away Lower Risk, Lower Yield ETF Portfolio Lower Risk, Lower Yield Mutual Fund Portfolio Multi-Asset ETF Portfolio Multi-Asset Mutual Fund Portfolio Overseas Portfolio for ETF Investors Schwab Growth ETF Portfolio Super-Simple Balanced Mutual Fund Portfolio Tax-Exempt Income Portfolio Vanguard Conservative ETF Portfolio Vanguard Index Funds to Buy and Hold Forever Balanced ETF PortfolioA simple approach using exchange-traded funds 60% Stocks | 40% Bonds | Data through January 31, 2020 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO Vanguard Total Bond Market Index ETFBND40%2.16%9.95%4.68%2.97%3.74%none%0.04% Vanguard FTSE All-World ex-US ETFVEU20-3.289.357.415.125.44none0.08 Vanguard Total Stock Market ETFVTI40-0.0720.3713.8211.8213.82none0.03 1000.17148.886.948.12 0.05 ** Closed to new investors. # Closed to new investors; other share classes are available. r Maximum redemption fee charged when you sell shares. s Front-end load; redemption fee may apply. — Fund has not existed for the specified time. Source: Morningstar, Inc.. This bundle holds only three ETFs, but it covers a lot of territory: With 60% in stocks and 40% in bonds, it offers exposure to almost every corner of the stock and bond markets — and pays yield, too. Total Stock tracks an index that includes nearly every U.S. Stock. FTSE All-World ex-US covers the rest of the world. Total Bond, which buys high-grade U.S. debt, doesn't own every IOU in the Barclays Aggregate Bond Index, but it holds enough of them (nearly 9,000) to track the index closely.