Retirement Perspectives

Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,519.75

My Goal is the leave the workforce on my 55th birthday, 11,413 Days from now...

401 Account: Approximately 2.78 % of my portfolio
• $727.74 (Employer Paid 1% of Salary); $738.04 Worth
o Up 1.415% from inception, +$10.30
o Milestone 2040 makes up 100%


457 Account: Approximately 3.90% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.98

ING DIRECT Roth IRA: Approximately 9.72% of my portfolio
• $2,500.00 Invested; Worth $2,578.65
o Up 3.146% from inception. Positive $78.65
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%


ShareBuilder Roth IRA Approximately 42.73% of my portfolio
• $11,750 Invested; Worth $11,332.45
o DOWN 3.55% since inception… Negative $417.55
o Strategic Allocation Moderate 100.00%
o $250.00 pending deposit into account.
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32

Excluding my Pension, my variable retirement accounts are worth $15,682.12. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.05% If I compare all the “free money” and my contributions (Totals 16,010.72), my portfolio is DOWN 2.05% since inception.

Pension: Approximately 40.879% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $10,837.63

• 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 36 more installments.

My entire portfolio (if I cashed my pension out today) is worth $26,519.75