Retirement Perspectives

This Market is wayyyy crazy. I'll be no longer buying shares in my Moderate ING Mutual Fund. They are eliminating it and combining into a less agressive fund... and teh fees are higher there then with my Target date ARDVX. I'll also be putting the rest of my mutual fund $$ for the year into ARDVX, despite the crazy market, I like the fund so far.

When/If the Moderate ING account shows profit (meaning that fund gets into the green, i'll be selling off the profit ever $200.00 or so and converting it into ARDVX... so it will be a slow elimination from my portfolio)


End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,288.93
Additional Contributions since 2009: $2,081.38
Growth: $-321.78 (-2.03%)

My Goal is the leave the workforce on my 55th birthday, 11,301 Days from now...

401 Account: Approximately 3.07 % of my portfolio
• Contributions: $841.66 (Employer Paid 1% of Salary)
• Worth $869.11
o Up 3.26% from inception, +$27.45
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 $1,033.50

ING DIRECT Roth IRA: Approximately 9.18% of my portfolio
• $2,500.00 Invested| Worth $2,598.08
o Up 3.92% from inception. Positive $98.08
o CD’s ranging from 1.25% to 4.5%

ShareBuilder Roth IRA Approximately 44.04% of my portfolio
• $12,750 Invested | Worth $12,458.21
o DOWN 2.28% since inception… -291.79
o ING Strategic Allocation Moderate $11,778.92 | I have 1,448.822 Shares
o ARDVX 2040 $ 429.29 | 50.445 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $250.00

Pension: Approximately 40.05% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).

Total: $11,330.03

• 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 28 more installments (made 24 payments out of 52).

My entire portfolio (if I cashed my pension out today) is worth $28,288.93