For 25 years, Steven Halpern, editor of TheStockAdvisors.com, has surveyed the leading financial newsletter advisors asking for their favorite stocks for the coming year. This article is one of 100+ ideas in the Best Stocks for 2008 report.

"My favorite conservative pick for 2008 is the FUNDX Aggressive Upgrader Fund (NASDAQ: HOTFX), one of DAL Investment Company's mutual funds," says Tom Bishop, editor of BI Research.

"This fund consists of 50 of the top-performing, no-load mutual funds and iShares with focuses all over the world. In fact, this fund currently has 82% foreign exposure and 18% domestic. So there is a lot of diversification here in one fund.

"And if you are nervous about a recession in the US, here is a good place to diversify away from being totally invested at home. Face it, in any given year there are often much hotter countries than the US.

"DAL's Upgrader Funds are constantly monitoring mutual funds and markets worldwide for the top performing countries and mutual funds and endeavoring to stay invested in whatever funds are performing the best, rotating in and out as necessary.

"In the past year the fund went up 33% (how did you do?). In the past three years it is up an average compound 23% per year, 21% per year over the past five years and 18% per year since inception on 7/1/02. That's tough to beat. Since inception the fund is up 140% as of 9/30/07, while the S&P 500 is up about half as much, or 73%.

"So the concept works and is time tested over the past 25 years. More proof of that is that I first became aware of this through an investment newsletter called No Load FundX that has been consistently ranked by the Hulbert Financial Digest in the top five for its performance over the past 10, 15, 20 and 25 years.

"And for those who want to go even more conservative you can buy the flagship FundX Upgrader Fund (FUNDX)."