Retirement Perspectives

Well, I might have ended 2009 on an upswing (the last time I did my Retirement Perspectives), but it looks like the first entry in 2010 is going to start off a little slow.

I should see my dividends paid out in January at some time, so hopefully this means i'll be back in the green after the first month of trading. I'll be using my last post in 2009 as my "starter" for how much my money grows in 2010.

My Goal is the leave the workforce on my 55th birthday, 11,448 Days from now...

401 Account: Approximately 2.81 % of my portfolio
• $685.02 (Employer Paid 1% of Salary); $737.87 Worth
o Up 7.71% from inception, +$52.85
o Stable Value Money Market Accounts make up 29.20%
o Milestone 2040 makes up 70.80%

457 Account: Approximately 3.94% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.84

ING DIRECT Roth IRA: Approximately 9.79% of my portfolio
• $2,500.00 Invested; Worth $2,568.18
o Up 2.72% from inception. Positive $68.18
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%

ShareBuilder Roth IRA Approximately 42.83% of my portfolio
• $11,500 Invested; Worth $11,234.28
o Down 2.31% since inception… Negative $265.72
o Strategic Allocation Moderate 100.00%
o I have 1,351.528 Shares
o For my account to break even, shares would have to be: $8.51
o Currently shares are worth:$8.30

Excluding my Pension, my variable retirement accounts are worth $15,573.17. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 11.236% If I compare all the “free money” and my contributions (Totals 15,717.82), my portfolio is down 0.92 % since inception.

Pension: Approximately 40.62% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Account Value as of 07.01.2009: $9,890.40
Paycheck deductions added to account post balance: $764.89
Total: $10,655.29

• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 39 more installments.

My entire portfolio (if I cashed my pension out today) is worth $26,228.46