Each month, "Insights" showcases our top 10 investment picks in a particular sector. Because we focus on one sector at a time, these picks aren't meant to be used to build core portfolios. For that (the most important service we provide), we urge you to use Portfolio Builder and Fund Finder, where you'll create well-diversified portfolios that cross multiple sectors and investment types. Such diversified portfolios offer you the best path to reaching your financial goals. The ideas in this section can also be very helpful, but keep in mind that they're supplemental.