Pioneer Investments: 403(b) Plan

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Home Retirement Center Individual Retirement Plans 403(b) Printable Version
403(b) Plan
   Important Changes to the Management of Your Pioneer 403(b): Download Your New 403(b) Custodial Account Agreement  

Also known as a Tax-Sheltered Account (TSA), a 403(b) plan is available only to employees of public schools, nonprofit hospitals and other specific tax-exempt organizations. This plan lets employees set aside a portion of their salary, before taxes, through payroll deduction.

Who May Establish

Employees of public schools and tax-exempt 501(c)(3) organizations.

Establishment Deadline

Before employee contributions begin.

Contribution Deadline

Salary deferral contributions generally deposited with each pay period.

Who Contributes

Generally employees.

Annual Contribution Limit

Generally, for 2016, 100% of pay up to $18,000 ($24,000 if age 50 or older). Special "catch-up" elections may increase the contribution limit.¹

Contribution Requirements

Contributions are discretionary each year.

Employee Eligibility

Determined by employer's plan.


Always 100% for employee contributions.


Determined by employer's plan.

Loan Feature

No longer offered on Pioneer 403(b) accounts effective Nov. 1, 2011

Plan Administration


1. Additional catch-up contributions may be available to participants with 15 years of service with the same employer.

This material is not intended to replace the advice of a qualified attorney, tax advisor, investment professional, or insurance agent. Before making any financial commitment regarding the issues discussed here, consult with the appropriate professional advisor.


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