UPDATE: 10 top stock funds with a secret to success
UPDATE: 9 things you need to know about 401(k) fees
John Walthausen launched his namesake firm and first mutual fund just as the housing bust was unfolding. Prescient moves since then are getting him noticed by small-cap investors.
Readers reveal what they keep in their third buckets, including conservatively run funds, dividend-paying stocks, and real estate.