Retierment Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,293.68
Additional Contributions since 2009: $1,277.30.
Growth: $487.05 (3.068%)

My Goal is the leave the workforce on my 55th birthday, 11,357 Days from now...

401 Account: Approximately 3.11 % of my portfolio
• Contributions: $784.40 (Employer Paid 1% of Salary)
• Worth $879.45
o Up 12.07% from inception, +$94.75
o Milestone 2040 makes up 100%


457 Account: Approximately 3.65% 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 $1,033.21

ING DIRECT Roth IRA: Approximately 9.14% of my portfolio
• $2,500.00 Invested| Worth $2,586.37
o Up 3.45% from inception. Positive $86.37
o CD’s ranging from 1.25% to 4.5%


ShareBuilder Roth IRA Approximately 44.93% of my portfolio
• $12,250 Invested | Worth $12,711.74
o up 3.76% since inception… Positive $461.74
o ING Strategic Allocation Moderate $12,204.89 | I have 1,414.24 Shares
o ARDVX 2040 $ 256.85 | 28.539 Shares
o Money Market Cash: $2.50
o Not deposited Contributions: $0.00



Excluding my Pension, my variable retirement accounts are worth $17,210.77. Of that I’ve only invested $14,750 of my money (the rest has been my employer). So technically I’ve made 16.68% If I compare all the “free money” and my contributions (Totals 16,567.91), my portfolio is UP 3.88% since inception.

Pension: Approximately 39.17% 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 $28,293.68