Pioneer Investments: Contribution Limits


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Home Retirement Center Small Business Plans Contributions

Contribution Limits

The following charts compare contribution limits for the most popular retirement plan options. As you can see, Uni-K offers higher limits than other types of plans. Plus, contributions are flexible and can vary at your client's discretion from year to year.

For 2009 maximum deductible contributions, click here.

2010 Maximum Deductible Contributions for Unincorporated Businesses
Self-Employment Income¹	$10,000	$50,000	$100,000	$150,000
SEP-IRA	$2,000	$10,000	$20,000	$30,000
Profit Sharing	$2,000	$10,000	$20,000	$30,000
Money Purchase	$2,000	$10,000	$20,000	$30,000
SIMPLE IRA
Under age 50 Age 50+	$10,000 $10,000	$13,000 $15,500	$14,500 $17,000	$16,000 $18,500
Pioneer Uni-K
Under age 50 Age 50+	$10,000 $10,000	$26,500 $32,000	$36,500 $42,000	$46,500 $52,000

2010 Maximum Deductible Contributions for Incorporated Businesses
W-2 Income	$10,000	$50,000	$100,000	$150,000
SEP-IRA	$2,500	$12,500	$25,000	$37,500
Profit Sharing	$2,500	$12,500	$25,000	$37,500
Money Purchase	$2,500	$12,500	$25,000	$37,500
SIMPLE IRA
Under age 50 Age 50+	$10,000 $10,000	$13,000 $15,500	$14,500 $17,000	$16,000 $18,500
Pioneer Uni-K
Under age 50 Age 50+	$10,000 $10,000	$29,000 $34,500	$41,500 $47,000	$49,000 $54,500

For 2010 maximum deductible contributions, click here.

2009 Maximum Deductible Contributions for Unincorporated Businesses
Self-Employment Income¹	$10,000	$50,000	$100,000	$150,000
SEP-IRA	$2,000	$10,000	$20,000	$30,000
Profit Sharing	$2,000	$10,000	$20,000	$30,000
Money Purchase	$2,000	$10,000	$20,000	$30,000
SIMPLE IRA
Under age 50 Age 50+	$10,000 $10,000	$13,000 $15,500	$14,500 $17,000	$16,000 $18,500
Pioneer Uni-K
Under age 50 Age 50+	$10,000 $10,000	$26,500 $32,000	$36,500 $42,000	$46,500 $52,000

2009 Maximum Deductible Contributions for Incorporated Businesses
W-2 Income	$10,000	$50,000	$100,000	$150,000
SEP-IRA	$2,500	$12,500	$25,000	$37,500
Profit Sharing	$2,500	$12,500	$25,000	$37,500
Money Purchase	$2,500	$12,500	$25,000	$37,500
SIMPLE IRA
Under age 50 Age 50+	$10,000 $10,000	$13,000 $15,500	$14,500 $17,000	$16,000 $18,500
Pioneer Uni-K
Under age 50 Age 50+	$10,000 $10,000	$29,000 $34,500	$41,500 $47,000	$49,000 $54,500

¹Net business profit minus one-half of self-employment tax.

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.