New Retirement Perspectives...

My Goal is to retire on my birthday when I turn 55. I’m 23 now… and this is what I’ve got:

401 Account: Approximately 2.60 % of my portfolio
• $511.89 (Employer Paid); $481.76 Worth
o Employer pays 1% of my Salary into this 401
o Down 5.87% from inception, -$30.13
 Stable Value Money Market Accounts make up 34.90%
 Milestone 2040 makes up 65.1%

457 Account: Approximately 5.57% of my portfolio
• Employer Funded (when I was 16-18 years of age)
• Future Contributions Discontinued as I’m now a “real employee” (minimal interest earned each month until I sever employment).
o Positive $1,031.74

ING DIRECT Roth IRA: Approximately 11.01% of my portfolio
• $2,000.00 Invested; Worth $2,038.53
o Up 1.91% from inception. Positive $38.53
 CD’s ranging from 1.5% to 4.5%.
 Current Average CD rate 3%

ShareBuilder Roth IRA Approximately 43.13% of my portfolio
(My first investment vehicle)
• 10,000 Invested; Worth $8,354.45
o Down 16.45% Loss of -$1,645.55
 Strategic Allocation Moderate 92.20%
 Strategic Allocation Growth 6.60%
 Money Market Cash 1.20%

Excluding my Pension, my variable retirement accounts are worth $11,906.48. Of that I’ve only invested $12,000.00 of my money. So if I look at the money I’ve physically put towards retirement, my portfolio is only down 0.78% since inception. If I compare all the “free money” and my contributions, my portfolio is down 12.09% since inception.


Pension: Approximately 35.68% of my portfolio
I’ll have my 5 years of service in July of 2010. If I quit tomorrow, I’d just have the cash in the account (employer and mine, plus the 6% interest it earns)
• Up until 2007, Employer paid all contributions.
• Jan 2007- July 2009 Employee’s contributed 1%
o 2007- My Contributions $299.74
o 2008- My Contributions $336.12
o 2009- My Contributions $187.96 (July 2nd, 2009)
• As of August 1st, 2009 – Current, Employee’s will now contribute 2% of income.
o Cash Value as of 07.01.2008 $6,605.55.
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age. It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 51 installments (it started with my last paycheck).
o 2009- My Contributions $33.06


This month I max out my ROTH for the year...