Retirement Perspectives

Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,907.33

My Goal is the leave the workforce on my 55th birthday, 11,399 Days from now...

401 Account: Approximately 2.91 % of my portfolio
• Contributions: $741.98 (Employer Paid 1% of Salary)
• Worth $784.15
o Up 5.68% from inception, +$42.17
o Milestone 2040 makes up 100%


457 Account: Approximately 3.84% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.03

ING DIRECT Roth IRA: Approximately 9.59% of my portfolio
• $2,500.00 Invested| Worth $2,579.71
o Up 3.1964% from inception. Positive $79.71
o CD’s ranging from 1.65% to 4.5% (savings 1.15%).
o Current Average CD rate 2.87%


ShareBuilder Roth IRA Approximately 43.15% of my portfolio
• $11,750 Invested | Worth $11,611.27
o DOWN 1.18% since inception… Negative $133.73
o ING Strategic Allocation Moderate $11,461.27 | I have 1,396.014 Shares
o ARDVX 2040 $ 0.00
o Money Market Cash: $150.00



Excluding my Pension, my variable retirement accounts are worth $16,008.16. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 12.33% If I compare all the “free money” and my contributions (Totals 16,025.01), my portfolio is DOWN 0.58% since inception.

Pension: Approximately 40.51% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $10,899.17

• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 35 more installments.

My entire portfolio (if I cashed my pension out today) is worth $26,907.33