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 Super-Simple Balanced Mutual Fund PortfolioFor investors who want to profit by keeping things simple. 70% Stocks | 30% Bonds | Data through October 31, 2018 FUND NAME SYMBOL % OFPORTFOLIO YTDRETURN 1-YRRETURN 3-YRRETURN 5-YRRETURN 10-YRRETURN MAX LOAD EXPENSE RATIO Vanguard Total Bond Market Index InvVBMFX30%-2.41%-2.14%0.93%1.68%3.78%none%0.15% Vanguard Total World Stock Index InvVTWSX70-4.22-0.918.016.329.86none0.19 100-3.67-1.285.894.928.03 0.18 ** 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.. You benefit in several ways by avoiding investment clutter. You can keep your overall allocation on track with just a few clicks per year. Sticking to a couple of broad funds will prevent you from getting distrcated by niche bets (such as a technology or health-care fund that's on a tear). And, by investing with index funds, you'll avoid the vain pursuit of hopping from one trend to the next — and the fees that come along with that. The 70/30 stock to bond split? We set that based on a rule of thumb that suggests to subtract your age from 120 to come up with the stock allocation. So, this is ideal for a 50-year old. Adjust to fit.