Pioneer Investments: 2013 Maximum Contributions


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2013 Maximum Contributions

Compare the maximum contributions for an individual with income of $100,000.

Self-Employment Income1 Uni-K SEP IRA SIMPLE IRA
Maximum Employer Contribution
(20% of Net Earned Income)
$20,000 $20,000 $3,000
Employee Salary Deferral $17,500 not available $12,000
Catch-up Contribution (over age 50) $5,500 not available $2,500
Total Contribution $43,000 $20,000 $17,500
Potential Roth Contribution $23,000 0 0
W-2 Income Uni-K SEP IRA SIMPLE IRA
Maximum Employer Contribution
(25% of Adjusted Gross Income)
$25,000 $25,000 $3,000
Employee Salary Deferral $17,500 not available $12,000
Catch-up Contribution (over age 50) $5,500 not available $2,500
Total Contribution $48,000 $25,000 $17,500
Potential Roth Contribution $23,000 0 0

1. $100,000 represents net business profit from self-employment adjusted, as appropriate, for applicable deductions related to self-employment tax.

This material is not intended to replace the advice of a qualified attorney, tax advisor, or insurance agent. Before your client makes any financial commitment regarding the issues discussed here, make sure he or she consults with the appropriate professional advisor.

 
 

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