IN THEORY,MUTUAL FUNDS ARE A convenient and cost-effective way to invest for retirement.In reality,there are thousands out there,and many are high in costs and low in returns.We went to some leading financial advisers,people whose job it is to ferret out the best funds for their clients.Using their recommendations,we assembled a small but diverse list of smart funds,any of which you could easily work into an investment program.For sure,hundreds of other funds could work,too.But you won't go wrong with any of these.
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