What to do with $10,000
Low interest rates and the recent stock market surge make this a challenging time to find the best places for your extra cash.

You think the next hot niche is: China
Then buy: Matthews China
Which invests in: Stocks of Chinese companies (including those in Hong Kong).
You think the next hot niche is: Food
Then buy: Market Vectors Agribusiness
Which invests in: A global index of seed, fertilizer, and farm equipment producers.
You think the next hot niche is: Green energy
Then buy: PowerShares Wilderhill Clean Energy
Which invests in: An index of green stocks, including companies that make solar cells.
NEXT: Beef up your 401(k) (If you're 50 or over)

