Most investments are filled with uncertainty. You could put your money into a CD or a high-yields savings account to minimize your risk, but these accounts don’t pay as well as stocks. While stocks can go down, they can deliver tremendous upside for long-term investors. Index funds and ETFs can simplify the process of investing. These funds take less work, but some people want to construct portfolios that can achieve respectable returns while aligning with the investor’s risk tolerance. Investors who are se ...