Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,769.74
Additional Contributions since 2009: $2,482.94
Growth: $-242.53 (-1.53%)

401 Account: Approximately 3.10 % of my portfolio
• Contributions: $870.14 (Employer Paid 1% of Salary)
• Worth $892.50
o Up 2.57% from inception, +$22.36
o VPRKX (Target date 2040) (84.5973 shares)

457 Account: Approximately 3.59% of my portfolio
• Discontinued Employer funded plan that I can’t close… interest=pennies
o Positive $1,033.82

ING DIRECT Roth IRA: Approximately 9.05% of my portfolio
$2,500.00 Invested| Worth $2,604.21
Up 4.17% from inception +$104.21
-CD’s ranging from 1.25% to 4.5%

ShareBuilder Roth IRA Approximately 44.44% of my portfolio
• $13,000.00 Invested | Worth $12,786.10
o DOWN 1.65% since inception… -213.90
o IDSLX $10,353.08 | I have 1,265.658 Shares
o ARDVX $1,283.02 | 150.766 Shares
o Money Market Cash: $900.00
o Not deposited Contributions: $250.00

I got the Vanguard application, but they spelled my name wrong so I’m waiting on a new one. I think I’ll open the account August 1st (after they charge the service fees for accounts under $10,000.00) I’ll initially buy $3,000.00 of their 2040 target date account, and then each week I’ll buy more until the whole amount is vested in there (but not in one large sum-the market is too volatile for that at the moment, and that will give me almost a year to get the account to $10,000.00.)

Pension: Approximately 39.81% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).

Total: $11,453.11

• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (Cal PERS service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 26 more installments (made 26 payments out of 52).

My entire portfolio (if I cashed my pension out today) is worth $28,769.74