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 Fidelity Moderate ETF PortfolioBased on the Kiplinger ETF 20, our favorite exchange-traded funds. 60% Stocks | 40% Bonds | Data through January 31, 2019 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO iShares Lehman Aggregate BondAGG30%1.07%2.2%1.9%2.4%3.53%none%0.04% iShares Core Dividend Growth ETFDGRO56.21-1.0214.96——none0.08 FidelityŽ MSCI Real Estate Index ETFFREL1011.79.649.36——none0.08 iShares S&P Small Cap 600 IndexIJR1010.6-1.2115.629.3316.27none0.07 iShares S&P 1500 IndexITOT208.63-2.2714.1910.6514.98none0.03 iShares Core MSCI Total International Stock ETFIXUS157.66-12.819.823.37—none0.11 iBoxx $ Investment Grade Corp Bond FundLQD103.140.494.13.495.92none0.15 1006.05-0.878.544.646.28 0.08 ** 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.. If you're a Fidelity client, you can assemble this well-balanced portfolio without incurring brokerage commissions. This portfolio offers a well-diversified approach to stocks and generates decent yield thanks to ETFs that hold real estate investment trusts and corporate bonds.