Retirement 401(k) & 403(b)

These retirement savings plans are funded by employee contributions, and in some cases, by matching contributions from the employer.  If your employer offers a 401(k) or 403(b) plan, you should take full advantage of it.

Feature and Benefits

  • Contributions are made before taxes
  • Many employers will match a portion of the employee contributions
  • Funds can be invested in a variety of mutual funds
  • Earnings grow tax-free until withdrawn

Who's Eligible?

Plans and Guidelines around eligibility and matching funds are established by the employer.  Check with your employer to see if you're eligible.

What's The Difference Between a 401(k) and a 403(b)?

They're basically the same; however nonprofit companies, religious groups, school districts and governmental organizations use a 403(b). Laws allow these organizations to be exempt from certain administrative processes that apply to 401(k) plans.

Contribution Limits

Under 50    $18,000
Over 50    $24,000

403(b) accounts allow for an additional contribution of $3,000 for employees who have 15 or more years of service.

Ways to Get Started

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Important Information and Disclosures

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are provided by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

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