I write a lot about individual stocks, and while I dabble in stock-picking, the vast majority of my personal portfolio is in rather unglamorous mutual funds and ETFs. I subscribe to the notion that investors should invest for the long-term, with attention to low costs. And while I sometimes bet on individual stocks, it’s important to think in terms of holistic investing strategy and how individual positions fit into your portfolio in regards to sector, risk level and geography. There are no universal truths about how to invest and all portfolios are different based on the investor’s personal financial plan. But when I talk to friends and relatives about what I like — and more importantly, where they may want to invest their money — I tend to talk about the same small group of exchange-traded funds as a good opportunity right now. Each of these ETFs has a specific flavor that interests me not only at this moment, but also for the rest of 2015 and beyond as a long-term position. Also, each is highly diversified without one or two holdings sucking up most of the assets. And finally, each is lower than most (if not all) of its peers when it comes to cost. Another interesting thing: There is almost no duplication in the holdings of these funds, so as a group they fit together nicely for a firm foundation in any portfolio. If you’re looking for how to invest now, here are five ETFs that cover just about everything you need to make the most of the stock market in 2015: 1. SPDR S&P Biotech ETF 2. Guggenheim S&P 500 Equal Weight Technology ETF 3. Vanguard Dividend Appreciation ETF 4. Vanguard Total International Stock ETF 5. iShares U.S. Preferred Stock ETF http://www.marketwatch.com/story/the-only-5-investments-you-...