Do not use .rvmrc files to specify Ruby version and gemset configuration any longer, it's deprecated and not considered by other Ruby version managers such as rbenv.

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If you want to migrate an existing .rvmrc you can use rvm rvmrc to .ruby-version.
Put gemset specification into .ruby-gemset.

Creating the .ruby-version file on your own, just make a file containing e.g.

1.8.7

Attention: Don't clutter other developers rvms with several unecessary ruby patch levels

When you use the rvm command

rvm --ruby-version use 1.8.7

it generates a .ruby-version file containing

ruby-1.8.7-p374

Using such a .ruby-version file demands installing a new ruby version for each patch level.