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Lower Risk, Lower Yield Mutual Fund Portfolio

February 2017

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.

 
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Lower Risk, Lower Yield Mutual Fund Portfolio

How do you invest for income when rates are rising? Start by playing it safe.
 35% Stocks |  45% Bonds |  20% Alternative | 


 Data through January 31, 2020

FUND NAME SYMBOL % OF
PORTFOLIO
YTD
RETURN
1-YR
RETURN
3-YR
RETURN
5-YR
RETURN
10-YR
RETURN
MAX LOAD EXPENSE RATIO
StockAmerican Century Utilities InvBULIX25%3.62%19.6%8.28%7.85%10.92%none%0.67%
AlternativeFidelity Floating Rate High Income+FFRHX200.185.914.054.164.06none0.68
BondFidelity High IncomeSPHIX20-0.468.595.885.656.71none0.7
BondVanguard Short-Term Investment-Grade InvVFSTX250.875.793.032.472.61none0.2
StockVanguard REIT Index Inv**VGSIX101.1716.598.655.8812.56none0.25
   1001.210.915.695.136.79 0.53
** 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..

We put 25% in short-term corporate bonds. Their main mission is to provide stability and a bit of income. We then added funds to create a diverse income stream from investments such as junk bonds, utilities and floating-rate bank loans.