Where to put $5,000 now

What would you do with a million bucks? That's easy. But what about five grand? With a handful of broad goals in mind, here are Money Magazine's picks.

Best 12-month return (riskier):<br>200 shares, Tech Select Sector SPDR
The price of 200 shares: $4,910
Their gain since July 2006: 28 percent
Goal: Building wealth
Best 12-month return (riskier):
200 shares, Tech Select Sector SPDR
Since it's a tech-stock exchange-traded fund (ETF), this option is a bit riskier for a 52-week shot.

Tech stocks have had a great run over the past 12 months, and in the short run, stock prices in a given sector tend to keep moving in the same direction - though eventually they always return to earth, which is why this is a chancier bet.

If you have nerves of steel, use this ETF to bet that techs will hold their momentum for at least another year.
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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.