Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,505.12
Additional Contributions since 2009: $1,353.96
Growth: $621.83 (3.917%)

My Goal is the leave the workforce on my 55th birthday, 11,350 Days from now...

401 Account: Approximately 3.18 % of my portfolio
• Contributions: $798.94 (Employer Paid 1% of Salary)
• Worth $905.98
o Up 13.39% from inception, +$107.04
o Milestone 2040 makes up 100%


457 Account: Approximately 3.62% 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 $1,033.26

ING DIRECT Roth IRA: Approximately 9.09% of my portfolio
• $2,500.00 Invested| Worth $2,590.83
o Up 3.63% from inception. Positive $90.83
o CD’s ranging from 1.25% to 4.5%


ShareBuilder Roth IRA Approximately 45.01% of my portfolio
• $12,250 Invested | Worth $12,829.72
o up 4.732% since inception… Positive $579.72
o ING Strategic Allocation Moderate $12,468.90 | I have 1,431.561 Shares
o ARDVX 2040 $ 360.82 | 39.564 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $0.00



Excluding my Pension, my variable retirement accounts are worth $17,359.79. Of that I’ve only invested $14,750 of my money (the rest has been my employer). So technically I’ve made 17.69% If I compare all the “free money” and my contributions (Totals 16,582.20), my portfolio is UP 4.68% since inception.

Pension: Approximately 39.10% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.

Total: $11,145.33

• 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 31 more installments.

My entire portfolio (if I cashed my pension out today) is worth $28,505.12