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MONEY Magazine
Your safest investments now	Full coverage

Money 70: The best mutual funds you can buy

Your safest investments now

Money Makeovers:

Money Magazine's list of recommended funds is not about aiming for the highest short-term returns. Our lineup is designed to let you build a well-balanced portfolio that will help you reach your most important financial goals, like putting your kids through college, starting a business or achieving a comfortable retirement.

We focus on criteria that have real predictive value: low expenses, a strong record for putting share-holder interests first, a consistent investment strategy and experienced managers.

A fund that meets our standards typically ends up delivering above-average returns - over the past five years, 73 percent of the actively managed funds on our roster outperformed their category average. Even in 2007's difficult market, 57 percent delivered returns that rank in the top half of their category.

The Money 70 is designed to help you construct all aspects of your portfolio. It includes a range of actively managed stock and bond funds, as well as low-cost index and exchange-traded funds. Or you can put your investments on cruise control with one of our target-date retirement portfolios, which give you a preset mix of funds that automatically becomes more conservative as you near retirement.

See more on how we picked the funds and what changes we've made since last year.

Actively-managed funds

Index funds

ETFs

Target-retirement funds

Ticker	Fund name	1-yr return	3-yr return	5-yr return	Exp. ratio	Min. inv.	Style

LARGE-CAP
AMCPX	American Funds Amcap A	-35.8%	-11.8%	-4.4%	0.7%	$250	Growth
AMRMX	American Funds American Mutual A	-28.8%	-7.5%	-1.5%	0.6%	$250	Value
FMIHX	FMI Large Cap	-25.6%	-5.6%	1.6%	1.0%	$1,000	Blend
JENSX	Jensen J	-27.2%	-6.0%	-2.8%	0.8%	$2,500	Growth
SLASX	Selected American Shares S	-39.8%	-13.2%	-4.0%	0.9%	$1,000	Blend
SSHFX	Sound Shore	-34.2%	-9.9%	-2.1%	0.9%	$10,000	Value
TRBCX	T. Rowe Price Blue Chip Growth	-40.0%	-12.7%	-5.0%	0.8%	$2,500	Growth
PRFDX	T. Rowe Price Equity Income	-37.1%	-10.6%	-3.0%	0.7%	$2,500	Value
VWNFX	Vanguard Windsor II	-37.1%	-11.2%	-2.3%	0.3%	$10,000	Value

MIDCAP
FAMVX	FAM Value Inv	-26.1%	-10.1%	-2.2%	1.2%	$500	Blend
FPPFX	FPA Perennial	-34.4%	-13.9%	-3.5%	1.0%	$1,500	Blend
FAIRX	Fairholme	-25.1%	-3.7%	4.8%	1.0%	$2,500	Blend
FDVLX	Fidelity Value	-44.7%	-17.1%	-4.5%	0.7%	$2,500	Value
JMCVX	Janus Mid Cap Value Investor	-25.7%	-5.4%	2.1%	0.8%	$2,500	Value
MERDX	Meridian Growth	-26.5%	-6.9%	-2.3%	0.8%	$1,000	Growth
POAGX	PRIMECAP Odyssey Aggressive Growth	-28.9%	-9.6%	N/A%	0.8%	$2,000	Growth

SMALL-CAP
PNVDX	Allianz NFJ Small Cap Value D	-24.0%	-5.4%	3.3%	1.2%	$5,000	N/A
PENNX	Royce Pennsylvania Mutual Invt	-32.0%	-11.2%	-1.1%	0.9%	$2,000	Blend
RYVPX	Royce Value Plus Svc	-38.7%	-13.2%	-1.4%	1.3%	$2,000	Growth
PRNHX	T. Rowe Price New Horizons	-35.4%	-13.4%	-3.2%	0.8%	$2,500	Growth
TASCX	Third Avenue Small-Cap Value	-34.6%	-12.3%	-2.6%	1.1%	$10,000	Blend

MULTI-CAP
BRAIX	Bridgeway Aggressive Investors 2	N/A%	N/A%	N/A%	1.2%	$2,000
MUHLX	Muhlenkamp	N/A%	N/A%	N/A%	1.1%	$1,500
WEHIX	Weitz Hickory	-38.9%	-16.1%	-6.6%	1.2%	$2,500

SPECIALTY
CSRSX	Cohen & Steers Realty Shares	-35.4%	-14.3%	0.8%	0.9%	$10,000	Real estate
PRNEX	T. Rowe Price New Era	-46.0%	-8.8%	6.6%	0.6%	$2,500	Natural resources
TAREX	Third Avenue Real Estate Value	-42.2%	-14.8%	-2.0%	1.1%	$10,000	Real Estate

FOREIGN
AEPGX	American Funds EuroPacific Gr A	-40.1%	-8.3%	2.7%	0.7%	$250	Large Blend
NEWFX	American Funds New World A	-45.2%	-4.8%	5.4%	1.0%	$250	Large Growth
ARTIX	Artisan International Inv	-46.0%	-11.1%	-0.6%	1.2%	$1,000	Large Growth
DODFX	Dodge & Cox International Stock	-46.1%	-12.1%	1.3%	0.7%	$2,500	Large Value
OAKIX	Oakmark International I	-40.2%	-12.2%	-1.2%	1.1%	$1,000	Large Value
PRMSX	T. Rowe Price Emerging Markets Stock	-60.9%	-13.8%	3.3%	1.2%	$2,500	Emerging markets
PRIDX	T. Rowe Price International Discovery	-48.5%	-12.8%	1.6%	1.2%	$2,500	Small-cap, Midcap
TAVIX	Third Avenue International Value	-37.7%	-11.5%	1.2%	1.4%	$10,000	Value
VWIGX	Vanguard International Growth	-43.7%	-10.8%	-0.2%	0.5%	$3,000	Large Blend

CORE BOND
DODIX	Dodge & Cox Income	0.0%	3.4%	3.1%	0.4%	$2,500	Core
FPNIX	FPA New Income	3.7%	5.1%	3.8%	0.6%	$1,500	Core
HABDX	Harbor Bond Instl	1.9%	5.3%	4.7%	0.6%	$1,000	Core
VIPSX	Vanguard Inflation-Protected Secs	-3.4%	3.2%	3.9%	0.2%	$3,000	Core

SPECIALTY BOND
AHITX	American Funds American Hi Inc Tr A	-23.2%	-5.3%	-1.0%	0.7%	$250	Specialty
RPIBX	T. Rowe Price International Bond	-2.7%	4.6%	3.8%	0.8%	$2,500	N/A
VWITX	Vanguard Interm-Term Tax-Ex	2.5%	3.9%	3.2%	0.1%	$3,000	Specialty
Data as of: January 16, 2009

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Money 70: The best mutual funds you can buy

These funds are built to last, no matter what the market brings. Use them to create a steel-plated portfolio that will get you to your goals.