What to do with $50,000 now

Low interest rates and the recent stock market surge make this a challenging time to find the best places for your extra cash.

7 of 10

Benefit from breakpoints

If you use a broker to buy mutual funds, plunk down a big chunk of change and often you can cut the upfront sales load you'll pay.¹ Here are four examples from our Money 70 list of recommended funds. Savings assume a $50,000 investment.

NEXT: Make a down payment on a retirement dream

Last updated October 21 2009: 11:03 AM ET

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NOTES: ¹Some advisers can eliminate the sales load entirely by adding your account to a larger institutional portfolio. Ask. ²For initial investments of less than $25,000. (The load on investments of $25,000 to $50,000 is 5%.)

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