To select its annual list of recommended mutual funds, MONEY Magazine looks for funds that charge minimal fees, that stick to an investing style and that put shareholder interests ahead of the fund managers' bonuses. Take care of those things, and performance tends to take care of itself.

You can use the MONEY 65 to create a plan no matter what kind of investor you are. If you like the idea of investing with managers who may be able to deliver superior long-term returns (and you don't mind monitoring their performance) then choose from the list of actively managed funds below. If you prefer to keep things simple and hold costs to a minimum, click the tabs for index funds or ETFs. And if you want a laid-back approach that puts your investing plan on autopilot, check out our target-funds. For a closer look at how we picked the funds, click here.