Open an IRA account and move your $90k into it and receive 5% st

Don't invest in any mutual funds, which are tools for "financial advisors" to make money from you.

Open and move your money from 401K to an IRA account.

Buy  a few blue chip stocks, you may have an annual return 10% or above easily - equivalent of $90k/year.

The following is a list of 5 stocks that give you stable return with dividend included.   You can verify the returns by finance.yahoo.com (go to: quote, historical prices, find "adj. close" (adjusted prices with dividends, split, etc.)

CF annual return of 45% since 2005: http://finance.yahoo.com/q/hp?s=CF&a=07&b=11&c=2005&d=09&e=6&f=2012&g=d&z=66&y=1782

HCN: annual return 14.4% since 1992:

http://finance.yahoo.com/q/hp?s=HCN&d=9&e=6&f=2012&g=d&a=2&b=17&c=1992&z=66&y=5148

ESRX: annual return 33.5% since 1992:

http://finance.yahoo.com/q/hp?s=ESRX&d=9&e=6&f=2012&g=d&a=5&b=9&c=1992&z=66&y=5082

PCL: Annual return 23.5% since 1989:

http://finance.yahoo.com/q/hp?s=PCL&a=5&b=9&c=1992&d=9&e=6&f=2012&g=d&z=66&y=5082

PFE: Annual return 14.3% since 1982:

http://finance.yahoo.com/q/hp?s=PFE&d=9&e=6&f=2012&g=d&a=0&b=4&c=1982&z=66&y=7722