(MONEY Magazine) – CHARLES SCHWAB Here's what is in the Charles Schwab & Co. founder's IRA.

IRA STOCKS: None

IRA BONDS: None

IRA FUNDS: Dodge & Cox Stock, Founders Discovery, Invesco European, Invesco Pacific Basin, Neuberger & Berman Partners, Schwab 1000, Schwab Analytics, Schwab Asset Director High Growth, Schwab International Index, Stein Roe Special

PHILOSOPHY: "The impressive returns of the last few years can't be counted on forever, but mutual funds still have great value. Just don't do what too many investors do--go for fixed-income funds."