Here’s an all ETF portfolio that’s sure to see some volatility. It’s geared toward long term growth, and as such it invests heavily in small cap stocks, foreign markets and commodities. The fund total is 90% stocks, 10% commodities and is best left to investors with long time horizons and a high tolerance for risk.

Here’s the portfolio:

• 40% iShares Russell 3000 ( IWV)
• 20% Vanguard FTSE All-World ex-US (VEU)
• 10% PowerShares DB Commodity (DBC)
• 10% Vanguard FTSE All-Wld ex-US Sm Cp* (VSS)
• 10% Vanguard REIT (VNQ)
• 10% WisdomTree SmallCap Earnings (EES)

*Less than one year old.

IWV

Seeks investment results that correspond generally to the price and yield performance of the Russell 3000 index.
EXPENSE RATIO: 0.20%
YIELD:1.90%

VEU

Seeks to track the performance of the FTSE All-World ex-US Index.
EXPENSE RATIO:0.20%
YIELD:1.83%

DBC

Seeks to reflect the performance of the Deutsche Bank Liquid Commodity index.
EXPENSE RATIO: 0.75%
YIELD:N/A

VSS

Seeks to track the performance of the FTSE Global Small Cap ex US Index.
EXPENSE RATIO:N/A (just launched in April of 2009)
YIELD:N/A(just launched in April of 2009)

VNQ

Seeks to provide a high level of income and moderate long-term capital appreciation. The fund normally invests approximately 98% of assets in stocks issued by equity real estate investment trusts (REITs) in an attempt to track the investment performance of the Morgan Stanley Capital International (MSCI) US REIT Index.
EXPENSE RATIO: 0.11%
YIELD:5.58%

EES

Seeks to track the price and yield performance, before fees and expenses, of the WisdomTree SmallCap Earnings index.
EXPENSE RATIO: 0.38%
YIELD:0.80%

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When this portfolio was originally recommended by Kiplinger, about a month or so ago, the yield was a hefty 5.8%.

A large part of that yield comes from the LQD fund that focuses on high-quality corporate bonds, the IGOV fund which buys foreign government bonds, HYG which focuses on junk bonds, and dividend stalwart DVY. It’s important to not that the DVY ETF was hammered last year due to its heavy weighting in financial stocks. This has since changed, so don’t expect the DVY to mimic bank stocks so much.

• 20% iShares iBoxx $ Inv Grade Corp (LQD)
• 20% iShares DJ Select Dividend (DVY)
• 10% iShares S&P/Citi Intl Treas Bond (IGOV)
• 10% iShares iBoxx $ High Yld Corp (HYG)
• 10% SPDR S&P Intl Dividend (DWX)
• 10% Utilities Select Sector SPDR (XLU)
• 10% Vanguard Dividend Appreciation (VIG)
• 10% Vanguard REIT (VNQ)

LQD

The iShares iBoxx $ Inv Grade Corp ETF tracks the iBoxx $ Liquid Investment Grade Index.
EXPENSE RATIO:0.15%
YIELD:5.30%

DVY

The iShares DJ Select Dividend ETF tracks the Dow Jones Select Dividend index.
EXPENSE RATIO:0.40%
YIELD: 4.32%

IGOV

The iShares S&P/Citi Intl Treas Bond tracks the S&P/Citigroup International Treasury Bond Index Ex US.
EXPENSE RATIO: N/A
YIELD:N/A

HYG

The iShares iBoxx $ High Yld Corp ETF tracks the iBoxx(Reg. TM) $ Liquid High Yield Index.
EXPENSE RATIO:0.50%
YIELD:9.78%

DWX

The SPDR S&P Intl Dividend ETF tracks
EXPENSE RATIO:
YIELD:

XLU

INDEX:The Utilities Select Sector SPDR ETF tracks the S&P International Dividend Opportunities index.
EXPENSE RATIO:0.48%
YIELD:3.57%

VIG

The Vanguard Dividend Appreciation ETF tracks the Mergent Dividend Achievers Select index.
EXPENSE RATIO:0.24%
YIELD: 2.24%

VNQ

The Vanguard REIT ETF tracks the Morgan Stanley Capital International (MSCI) US REIT Index.
EXPENSE RATIO:0.11%
YIELD:5.58%

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Here are 3 small cap stocks that you probably haven’t heard of, but they each have at least a 25% increase in sales over last year – a time in which most companies have seen sales take a big hit.

K12.

Market Cap: $548 million
Estimated sales growth for current year: 26%

K12 (LRN) provides online high school courses for home schooled children. Almost half the states in the U.S. have approved their curriculum for use in online public schools. Enrollment for U.S. students is free, but foreign students pay to enroll. The stock currently trades at 30 times estimated 2009 earnings, but in this “Great Recession”, stocks with this kind of growth are rare.

Health Grades.

Market Cap: $133 million
Estimated sales growth for current year: 31%

Health Grades (HGRD) provides information on doctors, hospitals and nursing homes to patients. The information even contains ratings from past patients. Visitors to the company’s web site (HealthGrades.com) can access basic information in exchange for giving their own opinion of their doctor. More detailed reports can be purchased for around $13 and the company also receives fees from hospital marketing services. The majority of sales are currently to hospitals, although sales to patients is growing more rapidly.

Though the share price of Health Grades is up 80% this year, it trades around 20 times estimated 2009 earnings.

InterDigital

Market Cap: $937 million
Estimated sales growth for current year: 32%

InterDigital (IDCC) licenses high-speed data transfer technology to cell phone makers. They’ve had some legal disputes with Nokia, but analysts think things will be settled by a licensing deal with Nokia. InterDigital holds $6 per share in cash, and expects $3 per share in payments form Samsung. Shares are trading at 14 times estimated 2009 earnings.

Obviously, small cap aggressive growth stocks carry much more risk than large cap stocks and broad based index funds. But then, they also carry the potential for much higher return. Just do your research and know what you’re buying.

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These stocks are covered by fewer than 5 analysts, but they have increased both their earnings and sales by 10% or more over the past 12 months.

America’s Car-Mart (CRMT) specializes in low-end, used cars in states like Kentucky,Arkansas, and Oklahoma. Sales were up almost 3% and profits were up 8%, in the most recent quarter. And management used this cash flow to pay down some of their debt, which is a good sign.

Global Cash Access Holdings (GCA): Global Cash is expected to increase profits 11% and sales 8%, while the likes of MGM and Las Vegas Sands are losing money due to less travel. Global Cash makes the “3-in-1″ cash machines that let gamblers get cash from their debit cards, or attempt a cash advance on their credit card once their debit is tapped out. This company is clearly not a buy for the socially conscious investor!

Citi Trends (CTRN) has about 350 stores in 22 states and appeals to the African-American consumers and offering urban apparel products (according to their financial filings). New stores earn the initial startup costs in about a year, and had double-digit earnings percentages recently as well as being debt-free and maintaining $3 per share in cash.

Multi-Fineline Electronix (MFLX) designs and manufactures flexible printed circuit boards for mobile phones, smart mobile devices, consumer products, portable bar code scanners, personal digital assistants, computer/storage devices, and medical devices. It sports a 6.2% Revenue Growth for the last quarter and 106.68M in cash, 10.56M in debt.

AZZ (AZZ) manufactures electrical equipment and components for power generation, transmission and distribution, and industrial markets in the United States and Canada. It has 75.82M in free cash flow and $33 in Revenue Per Share.

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