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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 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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