The Federal Reserve gave its strongest indication yet that it might raise rates in 2016, while OPEC reversed its two-year stance and announced that it would consider cutting crude oil production. The result was a somewhat rocky September, though global securities markets largely generated positive results. In the U.S., small caps continued to outperform, as did energy and tech sectors, while dividend oriented stocks and most bonds lagged due to investor concerns over rising rates. International equities continued to experience a strong post-Brexit rally, particularly in emerging markets which has benefitted from a recovery in corporate earnings after nearly five years of declines.

 
 
When an IRA owner dies, the IRA proceeds are payable to the named beneficiary--or to the owner's estate if no beneficiary is named. If you've been designated as the beneficiary of a traditional or Roth IRA, it's important that you understand the special rules that apply to "inherited IRAs."