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 Overseas Portfolio for ETF InvestorsFor ETF investors who want a 100% foreign package 100% Stocks | Data through January 31, 2020 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO WisdomTree International SmallCap DividendDLS15%-3.94%9.62%6.38%7.41%8.04%none%0.58% SPDR S&P International DividendDWX20-0.0513.327.323.872.74none0.45 iShares MSCI Frontier 100 ETFFM100.612.046.673.47—none0.79 iShares Core MSCI EAFE ETFIEFA35-2.212.348.15.71—none0.08 iShares Core MSCI Emerging Markets ETFIEMG15-4.623.447.464.22—none0.14 PowerShares Emerging Markets InfrastructurePXR5—————none— 100-210.147.054.861.76 0.31 ** 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.. Many people prefer the comforts of home when investing. That’s been a winning strategy lately, with Standard & Poor’s 500-stock index clocking the MSCI EAFE index, which tracks stocks in developed foreign markets, by an average of 10 percentage points per year over the past three years. But foreign stocks are cheaper than those in the U.S., and governments in Europe and other regions continue to promote easy-money policies even as the U.S. has begun to raise interest rates. These factors enhance the appeal of exchange-traded funds.