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 Schwab Growth ETF PortfolioBased on the Kiplinger ETF 20, our favorite exchange-traded funds. 95% Stocks | 5% Bonds | Data through January 31, 2019 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO PIMCO Investment Grade Corporate Bond Index Exchange-Traded FundCORP5%2.34%0.45%3.85%3.36%—%none%0.2% SPDR:DJ Wilshire Mid Cap Value ETFMDYV1011.67-2.9513.848.1214.95none0.15 Schwab U.S. Small-Cap ETF™SCHA2512.03-3.7114.047.3—none0.05 Schwab International Small-Cap Equity ETF™SCHC58.49-15.658.32.84—none0.12 Schwab U.S. Dividend Equity ETF™SCHD106-4.1712.9510.42—none0.07 Schwab International Equity ETF™SCHF57.19-12.278.452.94—none0.06 Schwab U.S. Large-Cap ETF™SCHX258.25-2.1614.1610.76—none0.03 Schwab U.S. Aggregate Bond ETF™SCHZ151.052.151.832.35—none0.04 1007.9-3.2411.037.181.5 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.. With 80% allocated to stocks (including a big bite of small- and mid-cap stocks), this portfolio takes an aggresssive approach. Buy this portfolio only if you won't sell in a panic during a downturn, and aim to hold it for at least a decade. If you set up an account at Schwab, you'll be able to put it together without commissions.