Top No Load Mutual Funds - Insightful Investing Newsletter


	Top No-Load Mutual Funds Model Portfolios

	Every Quarter We Update Our Model Portfolios of Best Performing No-Load Mutual Funds, Fidelity Mutual Funds, and Vanguard Mutual Funds. Besides possible changes in Asset Allocation, we let you know of any new funds to buy for your portfolio, or previous funds to sell from your portfolio. Here are our portfolios for January of 2005.

All Funds Model Portfolio			% Return		Conservative		Insightful
Fund Name	Symbol	Type	1 Yr	3 Yr	Taxable	IRA/401K	Taxable	IRA/401K
PIMCO Low Duration D	PLDDX	STB	2.02	3.96	25%	20%	20%	15%
PIMCO Total Return Mortgage D	PTMDX	IGB	4.53	5.76	10%	10%	10%	10%
Westcore Flexible Income	WTLTX	HYB	10.40	12.19	10%	10%	10%	10%
Third Avenue Real Estate Value	TAREX	RE	28.16	22.42	10%	10%	10%	10%
Alpha Hedged Strategies	ALPHX	Hdg	17.23	-	0%	5%	5%	10%
Julius Baer International Equity	BJBIX	Intl	23.22	17.31	5%	5%	5%	5%
Selected American Shares	SLASX	LCC	11.97	6.73	5%	5%	5%	5%
Yacktman	YACKX	LCV	9.93	17.67	5%	5%	5%	5%
Artisan Mid Cap Value	ARTQX	MCV	26.20	18.41	5%	5%	5%	5%
Royce Premier	RYPRX	SCC	22.82	16.27	5%	5%	5%	5%
Neuberger Berman Fasciano Inv	NBFSX	SCG	12.55	10.07	5%	5%	5%	5%
Third Avenue Small-Cap Value	TASCX	SCV	21.27	14.55	0%	5%	5%	5%
Your Brokerage Money Mkt or Tax Exempt Money Mkt		MM TEMM	0.90	2.19	15%	10%	10%	10%
					100%	100%	100%	100%

Fidelity Brokerage Portfolio			Jan 1	Mar 31	Jun 30	Sep 30	December 31, 2004
Fund Name	Symbol	Type	Value	Return	Return	Return	Return	Size	Value
Fidelity Short Term Bond	FSHBX	STB	$16,952	1.4%	-1.1%	1.4%	0.1%	12.9%	$17,254
Fidelity Capital & Income	FAGIX	HYB	$6,000	1.4%	-0.8%	4.9%	6.5%	5.0%	$6,742
Westcore Flexible Income	WTLTX	HYB	$6,000	3.1%	-2.7%	3.9%	6.1%	5.0%	$6,631
Fidelity Real Estate	FRESX	RE	$7,378	12.2%	-4.7%	8.5%	16.6%	7.5%	$9,967
Third Avenue Real Estate Value	TAREX	RE	$6,000	8.2%	-0.4%	7.0%	11.5%	5.8%	$7,722
Diversified International	FDIVX	Intl	$4,000	13.0%	-0.8%	0.2%	13.9%	3.8%	$5,124
Oakmark International	OAKIX	Intl	$7,804	3.6%	3.6%	3.6%	13.1%	7.3%	$9,814
Julius Baer International Equity	BJBIX	Intl	$6,000	13.7%	-1.9%	1.5%	17.8%	6.0%	$8,001
Fidelity Equity-Income II	FEQTX	LCV	$6,000	0.5%	0.1%
Oakmark I	OAKMX	LCV	$6,000	1.4%	2.3%	0.3%	4.7%	4.9%	$6,540
Royce Low Priced	RYLPX	SCC	$6,310	8.0%	-1.6%	-1.6%	7.9%	5.3%	$7,117
RS Partners	RSPFX	SCC	$6,000	9.0%	0.1%	7.1%	13.3%	5.9%	$7,941
Wasatch Small Cap Growth	WAAEX	SCG	$13,743	1.4%	2.6%	2.6%	15.5%	12.7%	$16,941
Tamarack Enterprise S	TETSX	SCV	$6,000	5.7%

Top No-Load Mutual Funds Model Portfolios