Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,998.63
Additional Contributions since 2009: $2,482.94
Growth: $-13.64 (-0.09%)

401 Account: Approximately 3.17 % of my portfolio
• Contributions: $870.14 (Employer Paid 1% of Salary)
• Worth $918.73
o Up 5.58% from inception, +$48.59
o VPRKX (Target date 2040) (84.5973 shares)

457 Account: Approximately 3.56% of my portfolio
• Discontinued Employer funded plan that I can’t close… interest=pennies
o Positive $1,033.77

ING DIRECT Roth IRA: Approximately 8.98% of my portfolio
• $2,500.00 Invested| Worth $2,603.61
o Up 4.14% from inception. Positive $103.61
o CD’s ranging from 1.25% to 4.5%

ShareBuilder Roth IRA Approximately 44.79% of my portfolio
• $13,000.00 Invested | Worth $12,989.41
o DOWN 0.00% since inception… -10.59
o IDSLX $10,530.27 | I have 1,265.658 Shares
o ARDVX $1,009.14 | 115.595 Shares
o Money Market Cash: $1,200.00
o Not deposited Contributions: $250.00

I’m attempting to close my share-builder account and move everything over into an account at vanguard (lower fees, better yield). If I think the market is going up for the day, I’m selling shares of IDSLX. If it’s going down, I’ll be buying more of ARDVX.

Pension: Approximately 39.50% 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If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).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 $28,998.63