Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,144.17
Additional Contributions since 2009: $1,277.30.
Growth: $337.54 (2.126%)

My Goal is the leave the workforce on my 55th birthday, 11,364 Days from now...

401 Account: Approximately 3.08 % of my portfolio• Contributions: $784.40 (Employer Paid 1% of Salary)
• Worth $866.40
o Up 10.41% from inception, +$81.70
o Milestone 2040 makes up 100%


457 Account: Approximately 3.67% 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 $1,033.17

ING DIRECT Roth IRA: Approximately 9.19% of my portfolio
• $2,500.00 Invested| Worth $2,585.80
o Up 3.432% from inception. Positive $85.80
o CD’s ranging from 1.65% to 4.5% ( $100 in savings @ 1.10%).


ShareBuilder Roth IRA Approximately 44.68% of my portfolio• $12,250 Invested | Worth $12,575.89
o up 2.66% since inception… Positive $325.89
o ING Strategic Allocation Moderate $12,071.61 | I have 1,414.24 Shares
o ARDVX 2040 $ 254.28 | 28.539 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $250.00



Excluding my Pension, my variable retirement accounts are worth $17,061.26. Of that I’ve only invested $14,750 of my money (the rest has been my employer). So technically I’ve made 15.66% If I compare all the “free money” and my contributions (Totals 16,567.87), my portfolio is UP 2.97% since inception.

Pension: Approximately 39.38% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $11,082.91

• 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 32 more installments.

My entire portfolio (if I cashed my pension out today) is worth $28,144.17