This all-equity portfolio represents what we believe is the very best way for investors to diversify their investments using mutual funds available to the public. It’s designed to provide exposure to the nine most important equity asset classes that we recommend. No single fund family, including Fidelity and Vanguard, has open funds in all nine.

This portfolio is for investors who are willing and able to go beyond a single fund family to get what they need to make their money work as hard as possible for them. Because of the minimum initial investment requirements for some of these funds, this portfolio requires at least $100,000. Investors with less money can substitute the Vanguard 500 Index Fund (VFINX) for Fidelity Spartan 500 Index and substitute Vanguard Developed Markets Index (VDMIX) Fund for Fidelity Spartan International Index. That would reduce the minimum requirement to $30,000.

You can also explore our other Suggested Portfolios of no-load funds at Fidelity, Vanguard, Schwab, T. Rowe Price and Rydex, and for exchange-traded funds.

Learn how to use our Suggested Portfolios.