This is a snippet of my BAC pension plan in October

Whats sweet is I can take up to 30percent of my paycheck, and invest it, and have that matched by my employer after 1 year of working. Whats really neat is I won't have access to any of my funds until I'm 65. Theoretically, I'd be paying people to lose money for me.

So, for instance If I contribute 100.00 and put it into a mutual fund that loses 25 percent of the value I now have 75 dollars I can't access until 40 years from now.

Sweet! I love how my investment choices are all in the negative. It might take 43 muscles to frown, and only 17 muscles to smile, but it takes 323 to suck a financial dick. Oh yeah, I forgot about the taxes.

2050 LIFEPATH
Inception Date 01/07/2008 -23.86 N/A N/A N/A 16.12 09/30/2008
2045 LIFEPATH
Inception Date 01/07/2008 -23.43 N/A N/A N/A -2.30 09/30/2008
2040 LIFEPATH
Inception Date 01/07/2008 -22.05 0.92 N/A N/A 1.21 09/30/2008
2035 LIFEPATH
Inception Date 01/07/2008 -20.45 N/A N/A N/A -1.12 09/30/2008
2030 LIFEPATH
Inception Date 01/07/2008 -18.73 N/A N/A N/A 1.82 09/30/2008
2025 LIFEPATH
Inception Date 01/07/2008 -16.87 N/A N/A N/A 0.10 09/30/2008
2020 LIFEPATH
Inception Date 01/07/2008 -14.79 2.18 N/A N/A 2.35 09/30/2008
2015 LIFEPATH
Inception Date 01/07/2008 -12.23 N/A N/A N/A 1.61 09/30/2008
2010 LIFEPATH
Inception Date 01/07/2008 -9.00 3.02 N/A N/A 3.14 09/30/2008
LIFEPATH RETIREMENT
Inception Date 01/07/2008 -7.46 N/A N/A N/A 2.99 09/30/2008
Market Indices*
Lipper Income Funds Avg -22.06 -2.25 1.27 2.26 N/A 10/31/2008
Lipper Balanced Funds Average -27.79 -3.40 0.64 1.91 N/A 10/31/2008
Lipper Large- Cap Core Funds Average -36.22 -5.82 -0.41 0.08 N/A 10/31/2008

STOCK AND BOND FUNDS
Stock Investments
Large Cap Growth
GROWTH FD OF AMERICA
Inception Date 05/15/2002 -37.72 -4.65 1.94 N/A 2.17 10/31/2008
COL. MARSICO FOCEQ
Inception Date 12/31/1997 -37.29 -4.68 0.32 3.05 5.08 10/31/2008
Market Indices*
S&P 500 Index -36.10 -5.21 0.26 0.40 N/A 10/31/2008
Lipper Multi- Cap Growth Funds Average -40.47 -6.45 -0.44 1.10 N/A 10/31/2008
Lipper Large Cap Growth Fund Avg -38.55 -6.97 -1.58 -0.71 N/A 10/31/2008
Large Cap Blend
COLUMBIA LGCAP IDX
Inception Date 12/16/1993 -36.19 -5.33 0.14 0.17 6.75 10/31/2008
Market Indices*
S&P 500 Index -36.10 -5.21 0.26 0.40 N/A 10/31/2008
MSCI US Broad Market Index -37.54 -6.84 -0.96 N/A N/A 10/31/2008
Large Cap Value
DODGE & COX STK FD
Inception Date 01/04/1965 -42.64 -9.03 0.18 5.93 10.57 10/31/2008
COLUMBIA LGCAP VALUE
Inception Date 09/19/1989 -35.97 -5.32 1.70 1.63 7.67 10/31/2008
Market Indices*
S&P 500 Index -36.10 -5.21 0.26 0.40 N/A 10/31/2008
Russell 1000 Value Index -36.80 -5.24 1.90 2.79 N/A 10/31/2008
Lipper Multi Cap Value Funds Avg -38.75 -7.30 0.20 3.06 N/A 10/31/2008
Mid-Cap Blend
COLUMBIA MIDCAP IDX
Inception Date 03/31/2000 -36.40 -5.55 1.91 N/A 2.51 10/31/2008
Market Indices*
S&P MidCap 400 Index -36.46 -5.52 1.96 6.71 N/A 10/31/2008
Small Cap Blend
COLUMBIA SMCAP IDX
Inception Date 10/15/1996 -32.37 -4.42 3.19 5.89 6.21 10/31/2008
BATTERYMARCH SMCAPEQ
Inception Date 03/13/2000 -38.07 -8.32 -1.58 N/A 0.31 10/31/2008
Market Indices*
Russell 2000 Index -34.16 -4.79 1.57 4.90 N/A 10/31/2008
S&P 600 Index -33.26 -5.32 2.33 6.17 N/A 10/31/2008
Lipper Small Cap Core Funds Avg -36.97 -6.79 0.95 6.12 N/A 10/31/2008
Foreign
COLUMBIA INTL EQUITY
Inception Date 12/02/1991 -50.47 -6.06 2.13 1.87 3.83 10/31/2008
FIDELITY DIVERS INTL
Inception Date 12/27/1991 -48.04 -5.17 3.71 6.12 8.12 10/31/2008
Market Indices*
MS EAFE (Net) -46.62 -5.26 3.60 1.67 N/A 10/31/2008
Lipper Intl Large Cap Core Funds Avg -47.80 -5.97 2.48 1.18 N/A 10/31/2008
Lipper Intl Multi Cap Grwth Funds Avg -49.95 -5.13 2.96 2.47 N/A 10/31/2008
Specialty
FIDELITY REAL ESTATE
Inception Date 11/17/1986 -41.84 -8.68 3.45 8.33 9.04 10/31/2008
Market Indices*
Wilshire RE Sec Index N/A N/A N/A N/A N/A N/A
Lipper Real Estate Funds Avg -41.94 -8.00 3.21 8.24 N/A 10/31/2008

VANGUARD TOT STK MKT
Inception Date 05/31/2001 -36.14 -5.04 0.84 N/A -0.61 10/31/2008
Bond Investments
Intermediate-Term
COLUMBIA CORE BOND
Inception Date 12/14/1990 -3.51 1.63 2.05 3.92 5.52 10/31/2008
WESTERN ASSET COREBD
Inception Date 09/04/1990 -13.69 -1.91 0.43 3.76 6.51 10/31/2008
Market Indices*
LB Gov't Credit Bond Index -1.06 3.02 3.08 4.81 N/A 10/31/2008
LB Agg Bond Index 0.30 3.60 3.48 5.00 N/A 10/31/2008
Stable Value
STABLE CAPITAL FUND
Inception Date 01/01/1991 4.73 4.77 4.73 5.40 5.80 09/30/2008
Market Indices*
ML 91 Day T-Bill Index 2.72 4.15 3.27 3.52 N/A 10/31/2008
Ryan Labs 3-5 year GIC 4.69 4.40 4.36 5.27 N/A 10/31/2008

11% INTEREST FUND
Inception Date N/A N/A N/A N/A N/A N/A N/A
8% INTEREST FUND
Inception Date N/A N/A N/A N/A N/A N/A N/A
6% INTEREST FUND
Inception Date N/A N/A N/A N/A N/A N/A N/A
CURRENT INT RATE
Inception Date N/A N/A N/A N/A N/A N/A N/A
FUTURE PAYMENT II
Inception Date N/A N/A N/A N/A N/A N/A N/A
FUTURE PAYMENT III
Inception Date N/A N/A N/A N/A N/A N/A N/A
FUTURE PAYMENT I
Inception Date N/A N/A N/A N/A N/A N/A N/A
INTEREST CREDIT 10YR
Inception Date N/A N/A N/A N/A N/A N/A N/A
Company Stock
Company Stock
BAC COM STK FUND
Inception Date 12/01/1991 -24.82 -0.67 2.76 7.22 11.81 09/30/2008