Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,970.84
Additional Contributions since 2009: $1,679.74
Growth: $761.77 (4.799%)

My Goal is the leave the workforce on my 55th birthday, 11,336 Days from now...

401 Account: Approximately 3.24 % of my portfolio
• Contributions: $813.18 (Employer Paid 1% of Salary)
• Worth $938.17
o Up 15.37% from inception, +$124.99
o Milestone 2040 makes up 100%


457 Account: Approximately 3.57% 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 $1,033.35

ING DIRECT Roth IRA: Approximately 8.95% of my portfolio
• $2,500.00 Invested| Worth $2,591.88
o Up 3.667% from inception. Positive $91.88
o CD’s ranging from 1.25% to 4.5%


ShareBuilder Roth IRA Approximately 45.57% of my portfolio
• $12,250 Invested | Worth $13,200.57
o up 5.60% since inception… Positive $700.57
o ING Strategic Allocation Moderate $12,583.42 | I have 1,431.561 Shares
o ARDVX 2040 $ 367.15 | 39.564 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $250.00



Excluding my Pension, my variable retirement accounts are worth $17,763.97. Of that I’ve only invested $15,000.00 of my money (the rest has been my employer). So technically I’ve made 18.42% If I compare all the “free money” and my contributions (Totals 16,846.53), my portfolio is UP 5.44% since inception.

Pension: Approximately 38.68% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $11,206.87

• 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 30 more installments.

My entire portfolio (if I cashed my pension out today) is worth $28,970.84