It's possible to build a diversified retirement portfolio with just a handful of low-cost index funds and 澳洲幸运5官方开奖结果体彩网:exchange traded funds (ETFs). The following funds are some of the top choices available from online brokerage Charles Schwab to help you properly allocate your retirement savings. They will give you exposure to U.S. and international stocks and bonds, as well as a few other 澳洲幸运5官方开奖结果体彩网:asset classes.

Index mutual funds and ETFs track an underlying market index and most are 澳洲幸运5官方开奖结果体彩网:passively managed. They typically have lower fees than 澳洲幸运5官方开奖结果体彩网:actively managed funds, making th༺em a popular choice among retirement savers.

U.S. Stocks

The Charles Schwab Total Stock Market Index (SWTSX) fund invests in almost the entire U.S. stock market. It has more than 3,000 stock holdings, which gives your portfolio exposure to large, mid, and small-cap stocks with one fund. It has a low 澳洲幸运5官方开奖结果体彩网:expense ratio of 0.03%.

There is also an ETF version of this fund, the Charles Schwab U.S. Broad Market (SCHB). This one is equally cheap, with fees of just 0.03%. 

For exposure to the largest publicly traded companies in the U.S., consider the Schwab S&P 500 Index Fund (SWPPX). It tracks the 澳洲幸运5官方开奖结果体彩网:Standard & Poor's 500 Index and has an expense ratio of just 0.02%.

International Stocks

To include international stocks in your portfolio, the Schwab International Index (SWISX) mutual fund invests in large-cap stocks in non-U.S. 澳洲幸运5官方开奖结果体彩网:developed markets and has an expense ratio of 0.06%.

If you are willing to take on more risk, the Schwab Emerging Markets Equity ETF (SCHE) invests in large- and mid-cap 澳洲幸运5官方开奖结果体彩网:emerging markets stocks and has a 0.11% expense ratio.

Bonds

A well-diversified retirement portfolio should also include bonds. The Schwab U.S. Aggregate Bond Index Fund (SWAGX) covers 3,000 U.S. government and 澳洲幸运5官方开奖结果体彩网:investment-grade bonds with 澳洲幸运5官方开奖结果体彩网:maturities ranging from short to long term. The expense ratio is only 0.04%. The ETF version is the Schwab U.S. Aggregate Bond ETF (SCHZ), which has the same expense ratio.

Other Asset Classes

Finally, Charles Schwab offers an array of specialty funds you can add to your retirement portfolio to fit your investment goals. Investors looking for a real estate play should consider the Fundamental Global Real Estate Index (SFREX). This mutual fund has an expense ratio of 0.390%.

The Schwab U.S. Tips ETF (SCHP), meanwhile, provides exposure to 澳洲幸运5官方开奖结果体彩网:U.S. ⛄Treasury Inflation-Protectedཧ Securities, which are inflation-adjusted bonds. It carries an expense ratio of 0.05%.

The Bottom Line

Most top fund companies, 澳洲幸运5官方开奖结果体彩网:Charles Schwab included, have a roster of funds that can provide suitable options for all investors. By using low-cost index funds and ETFs that cover all your asset allocation nee꧂ds—and working with one provider—saving for retirement can be easier.