My recommendation is the SPDR Financial Select Sector ETF (NYSEArca:XLF), which invests in a basket of 83 U.S.-based financial firms. But now that the probability of a double-dip has subsided, I think there are good reasons to be in stocks, and I'll try to make the case for reluctant investors to move at least some of their money out of cash and into equities next year. Another theme worth exploring for investors is rising food prices, and the Market Vectors Agribusiness ETF (NYSEArca:MOO) is a good mousetrap for taking advantage of the trend.