Our lineup wouldn't be complete without an international stock fund, and Dodge & Cox International Stock makes the grade even though holdings like AIG and RBS fueled a 47% loss in 2008.
"It's unusual for Dodge & Cox to make substantial mistakes," says Morningstar analyst Gregg Wolper, who adds, "Their overall process is still in place."
Even after the dismal 2008, the fund has returned 6% annually for the past five years, compared with 3% for the MSCI EAFE index.
As a stand-in, try Vanguard FTSE All-World Ex-U.S.
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