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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 long-term returns:<br>T. Rowe Retirement 2045
The current mix of the T. Rowe Price 2045 Retirement Fund (TRRKX) shifts to more stable investments as you get older.
Goal: Building wealth
Best long-term returns:
T. Rowe Retirement 2045
This target-retirement fund, ideal if you plan to retire in 2045, gives you a fully balanced portfolio that gets more conservative as you age.

The fund currently consists of 89 percent stocks - the bulk of which are U.S.-based - and 11 percent bonds.

Over time the allocation to bonds gradually increases as the stock allocation decreases to reduce risk.
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