What kind of fund should I allocate my IRA money to?

I am trying to pick an allocation for my IRA that will permit RMD distributions to come out of the funds. I want this distribution to minimize any "loss" from a dipping or tumbling market. Would you recommend a "payout" fund, or would an all-in-one fund work?

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December 2016

Great question!  A lot of the answer to your question depends on how much you have and how much you need to withdraw. I'm a big fan of all-in-one or asset allocation funds. Keep in mind that the expense ratios will be on the higher end for both, since they will both be very actively managed. A few other options to consider, again, depending on your over-all assets and risk tolerance, could be an annuity (make sure it's RMD friendly) or a managed account strategy. Good luck!

January 2017