Trying to figure out how to manage rolling over a company 401k to an IRA about this time next year, knowing that I will have to cash out of the funds I'm invested in before that happens (to complete the roll over). I don't want to put the funds into a low-returning preservation fund now, but worry about the current interest rate situation with the bond holdings. What strategies for maximizing return and managing risk do you use? It is possible to leave the funds in place if something drastic happens in the market, but I am limited to an array of index funds to move money around in the 401K until cashing out. Suggestions? Thanks