Retirement perspectives

The Market was a little nasty this week...

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,725.57
Additional Contributions since 2009: $1,679.74
Growth: $516.50 (3.254%)

My Goal is the leave the workforce on my 55th birthday, 11,329 Days from now...

401 Account: Approximately 3.18 % of my portfolio
• Contributions: $813.18 (Employer Paid 1% of Salary)
• Worth $914.40
o Up 12.44% from inception, +$101.22
o Milestone 2040 makes up 100%


457 Account: Approximately 3.60% 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 $1,033.41

ING DIRECT Roth IRA: Approximately 9.02% of my portfolio
• $2,500.00 Invested| Worth $2,592.19
o Up 3.68% from inception. Positive $92.19
o CD’s ranging from 1.25% to 4.5%


ShareBuilder Roth IRA Approximately 45.18% of my portfolio
• $12,250 Invested | Worth $12,978.70
o up 3.82% since inception… Positive $478.70
o ING Strategic Allocation Moderate $12,368.67 | I have 1,431.561 Shares
o ARDVX 2040 $ 360.03 | 39.564 Shares
o Money Market Cash: $250.00
o Not deposited Contributions: $0.00



Excluding my Pension, my variable retirement accounts are worth $17,518.70 Of that I’ve only invested $15,000.00 of my money (the rest has been my employer). So technically I’ve made 16.79% If I compare all the “free money” and my contributions (Totals 16,846.59), my portfolio is UP 3.98% since inception.

Pension: Approximately 39.01% 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 $28,725.57