Readers reveal what they keep in their third buckets, including conservatively run funds, dividend-paying stocks, and real estate.
Set financial goals and make every penny count.
Morningstar readers share how they're focusing on income producers in their retirement accounts while others address what they're doing with cash in a fully valued market.
A portfolio of low-cost index funds isn't a bad starting point for the average investor.
Some readers carve out specialized emerging-markets stakes, while others are content with the indirect route.
Low turnover is among the factors that help these funds keep the tax bite in check for shareholders.
Performance and diversification properties make them good supporting players for most portfolios.
Emerging markets are hot, and here are some benchmarks to ensure you don't go overboard.