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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Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. 2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.