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 High-Income Combo PortfolioBased on the Kiplinger ETF 20, our favorite exchange-traded funds. 35% Stocks | 40% Bonds | 25% Alternative | Data through October 31, 2018 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO Alerian MLP ETFAMLP10%-4.08%-1.36%-2.71%-4.32%—%none%0.85% VanEck Vectors Fallen Angel High Yield Bond ETFANGL10-1.12-1.088.726.94—none0.35 iShares S&P Preferred StockPFF15-1.12-0.6735.039.27none0.47 iShares FTSE NAREIT Mortgage REITsREM184.108.40.206.117.89none0.48 Schwab U.S. REIT ETF™SCHH10-0.073.013.877.61—none0.07 Schwab U.S. Aggregate Bond ETF™SCHZ30-2.46-2.160.931.76—none0.04 Vanguard High Dividend Yield ETFVYM10-0.444.0510.3810.0212.22none0.08 100-1.30.334.734.673.79 0.3 ** 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.. For income investors, we recommend a mix of traditional bonds, preferred stocks and other income investments, aiming for a 5% yield. The portfolio may lose money, especially if interest rates rise or if the yield investments, such as real estate investment trusts and master limited partnerships, take a hit. But lower bond prices would push up yields, delivering more income over time. And some of the portfolioâ€™s yield investments, such as MLPs, may move up even as bond prices decline. Depending on which broker you use, you will have to pay commissions to trade some, if not all, of the ETFs in this portfolio.