Retirement Perspectives

Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,691.00

My Goal is the leave the workforce on my 55th birthday, 11,406 Days from now...

401 Account: Approximately 2.86 % of my portfolio
• $741.98 (Employer Paid 1% of Salary); $763.73 Worth
o Up 2.931% from inception, +$21.75
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 $1,033.00

ING DIRECT Roth IRA: Approximately 9.66% of my portfolio
• $2,500.00 Invested; Worth $2,579.27
o Up 3.1708% from inception. Positive $79.27
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%


ShareBuilder Roth IRA Approximately 42.77% of my portfolio
• $11,750 Invested; Worth $11,415.83
o DOWN 2.844% since inception… Negative $334.17
o Strategic Allocation Moderate 100.00%
o Money Market Cash: $150.00
o I have 1,396.014 Shares


Excluding my Pension, my variable retirement accounts are worth $15,791.83. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.81% If I compare all the “free money” and my contributions (Totals 16,024.98), my portfolio is DOWN 1.45% since inception.
Pension: Approximately 40.83% 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 $26,691.00