Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $27,760.56
Additional Contributions since 2009: $952.40
Growth (minus additional contributions): $278.83

My Goal is the leave the workforce on my 55th birthday, 11,378 Days from now...

401 Account: Approximately 3.05 % of my portfolio
• Contributions: $770.46 (Employer Paid 1% of Salary)
• Worth $846.87
o Up 9.91% from inception, +$76.41
o Milestone 2040 makes up 100%


457 Account: Approximately 3.72% 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 $1,033.12

ING DIRECT Roth IRA: Approximately 9.31% of my portfolio
• $2,500.00 Invested| Worth $2,585.00
o Up 3.4% from inception. Positive $85.00
o CD’s ranging from 1.65% to 4.5% ( $100 in savings @ 1.10%).


ShareBuilder Roth IRA Approximately 44.21% of my portfolio
• $12,000 Invested | Worth $12,273.32
o up 2.277% since inception… Positive $273.32
o ING Strategic Allocation Moderate $12,021.04 | I have 1,414.24 Shares
o ARDVX 2040 $ 252.28 | 28.539 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $0.00



Excluding my Pension, my variable retirement accounts are worth $16,738.31. Of that I’ve only invested $14,500 of my money (the rest has been my employer). So technically I’ve made 15.43% If I compare all the “free money” and my contributions (Totals 16,303.58), my portfolio is UP 2.66% since inception.

Pension: Approximately 39.70% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $11,022.25

• 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 33 more installments.

My entire portfolio (if I cashed my pension out today) is worth $27,760.56