
	Where results make sense

Topic: 403(b)

Related Topics

401(k)

Economic Growth and Tax Relief Reconciliation Act of 2001

United States

Superfund

Nymphet

Morissey

1e4 m

Mount Dajt

Ned Hanlon

Ormoc

Wet Wet Wet

Sloth Bear

53 Kalypso

Lydia

Mayan

In the News (Wed 11 Nov 09)

Northern Trust

Marvin Harrison

Peter Chernin

Gary Locke

Match Play

Penelope Cruz

Mickey Rourke

AR Rahman

Danny Boyle

Hugh Jackman

	403(b)wise : 403(b) FAQs
		The 403(b) is a tax deferred retirement plan available to employees of educational institutions and certain non-profit organizations as determined by section 501(c)(3) of the Internal Revenue Code.
		As far as the IRS is concerned a 403(b) is a TSA, and a TSA is a 403(b).
		The 401(k) is a tax-deferred retirement plan for private sector employees, while the 403(b) is a tax-deferred retirement plan for employees of educational institutions and certain non-profit organizations.
	www.403bwise.com /faqs (4397 words)

	403(b) - Wikipedia, the free encyclopedia
		A 403(b) plan is a tax advantaged retirement savings plan available for public education organizations, some non-profit employers (only US Tax Code 501(c)(3) organizations) and self-employed ministers in the United States.
		Simply put, employee salary deferrals into a 403(b) plan are made before income tax is paid on it, and allowed to grow tax deferred until the money is taxed as income when taken out of the plan.
		Prior to the bankruptcy reform act in 2005, a 403(b) that was not an ERISA plan was not accorded protected status as property that could be claimed as exempt by the debtor under the U.S. Bankruptcy Code.
	en.wikipedia.org /wiki/403(b) (596 words)

	403(b) Tax Sheltered Annuities \| Benefits \| Human Resources
		403(b) plans are available to university employees permanently employed at least 50% time (20 hours per week) for 9 or more months per year on a recurring basis.
		Once a 403(b) plan carrier is chosen, a Salary Reduction Agreement must be submitted to the University Benefits Office indicating the elected deferral amount.
		Note: Combined, 401(k), 403(b) and 403(b)(7) contributions cannot exceed the federal annual maximum contribution limit; however, additional contributions may be made to the NC Deferred Compensation Plan (457).
	www7.acs.ncsu.edu /hr/benefits/403b.asp (611 words)

	403(b) Retirement Plans
		Muth: 403(b) is a section of the Internal Revenue Code that authorizes certain types of tax-deferred compensation for employees of schools and certain other tax-exempt entities.
		403(b) plans allow employees to elect to reduce their taxable compensation so they can put the money into the retirement investment vehicle before they pay taxes on it.
		With the 403(b) rules, Congress is basically saying, “In exchange for the tax-preference, we’re going to restrict the assets of the fund to retirement purposes.
	www.atpe.org /Advocacy/Issues/retirement403b.asp (1567 words)

	403(b) Plans
		A 403(b) plan is a retirement plan under which a public school or an organization described under § 501(c)(3) and exempt from tax under § 501(a) purchases annuity contracts or contributes to custodial accounts for its employees.
		Section 403(b) plans are exempt from the requirements applicable to qualified annuity plans under § 403(a) and are governed by their own separate requirements under § 403(b).
		Contributions made to a 403(b) plan are generally not includible for income tax purposes in participants' gross income until distributed, even if participants had the ability to receive the contributions as taxable wages in the year of the contributions.
	www.403-b.com /403b-plans.html (9282 words)

	403(b) Plans
		Dating back to 1958, a 403(b) plan was less in the nature of a plan than an arrangement under which an employer purchased an individual annuity contract on behalf of an employee from an insurance company.
		A 403(b) plan is a retirement plan under which a public school or an organization described under IRC section 501(c)(3) and exempt from tax under section 501(a) purchases annuity contracts or contributes to custodial accounts for its employees.
		Section 403(b) allows certain amounts to be excludable from gross income that are contributed to a 403(b) plan for up to five years after the year of termination of employment.
	www.irstaxattorney.com /irs-audits/72/447213_403(b)_Plans.html (6358 words)

	Benefits - 403(b) Definitions
		The amount that can be contributed in pre-tax dollars to 403(b) retirement plans (employer and salary reduction combined) is limited by both an overall maximum and your income.
		403(b) funds accumulated prior to 1987 aren't subject to mandatory federal minimum distribution rules, but are subject to other distribution requirements.
		Created as part of a comprehensive revision of the laws covering ERISA retirement plans, 403(b)(7)s expand the original 403(b) concept by allowing employees to make contributions to custodial accounts invested in mutual funds, yet have the investment treated the same as if it had been made to an annuity contract.
	www7.acs.ncsu.edu /benefits/retire/403b/403bdefinitions.asp (272 words)

	Quicken.com - Quick Reference Guide to 403 b
		Depending on your organization's 403(b) rules, you may be able to contribute to a 403(b) in any year you earn a salary and are a regular employee.
		In most cases, vesting is automatic for a 403(b) program, while in most 401(k) plans, vesting occurs over a three to five year period.
		Assets in your 403(b) account can be withdrawn without penalty after age 59-1/2, and you must begin to withdraw money from your account no later than April 1 of the year following the year in which you turn age 70-1/2 unless you are still working.
	www.quicken.com /cms/viewers/article/retirement/18248 (1664 words)

	SaveMillions - Retirement - 403(b) FAQs (Site not responding. Last check: 2007-10-07)
		Further, 403(b) contributions are made on a pre-tax basis which can greatly reduce your tax bill.
		Generally, if you contribute $100 a month to a 403(b) plan, you've reduced your Federal income taxes by roughly $27 (assuming you are in the 27% tax bracket).
		In order to meet nondiscrimination requirements of the law, once a plan sponsor permits any employee to elect a salary deferral into the TSA, the opportunity must be extended to all employees of the organization who may elect to have the plan sponsor make contributions of more than $200 pursuant to a salary reduction agreement.
	www.savemillions.com /retire/403bfaq.htm (1950 words)

	Understanding 403(b) Contribution Limits
		The employee under the 403(b) contract -- not the actual employer -- is deemed to maintain the 403(b) contract regardless of the form of contribution or the degree of control maintained by the employer.
		This means contributions to other plans of the 403(b) employer are not ordinarily combined with the contributions to the 403(b) plan under the section 415 limits.
		If an employee participates in a section 457 plan and a 403(b) arrangement in the same year, all contributions (salary reduction and non-salary reduction) to the 403(b) arrangement are subject to the section 457 limit of $7,500 (or up to the $15,000 higher 457 limit, if applicable).
	benefitslink.com /articles/valic403b.html (3236 words)

	TSA/403(b) Index
		A 403(b) plan, also known as a tax-sheltered annuity (TSA) plan, is a retirement plan for certain employees of public schools, employees of certain tax-exempt organizations, and certain ministers.
		If your 403(b) account invests in mutual funds, and you exceed your limit on annual additions, you may be subject to a 6% excise tax on the excess contribution.
		The portion of a distribution from a 403(b) plan transferred to a traditional IRA that was previously included in income as excess employer contributions (discussed earlier) is not an eligible rollover distribution.
	www.fredsecor.com /tsa/tsaindex.htm (6325 words)

	What is a 403(b) Plan?
		The 403(b) plan, named for section 403(b) of the Internal Revenue Code, is a type of retirement plan under which participants are eligible to receive special tax benefits.
		Someone who contributes to a 403(b) plan may not be eligible (depending upon his or her income) to deduct contributions to an individual retirement account.
		403(b) plans offer the employees of non-profit organizations many of the same kinds of retirement investing and tax savings benefits that 401(k) plans have traditionally offered to employees of for-profit organizations.
	www.newyorklife.com /cda/0,3254,11544,00.html (498 words)

	Invest FAQ: Retirement Plans: 403(b)
		A 403(b) plan is a retirement savings plan that is funded by employee contributions and (often) matching contributions from the employer.
		The 403(b) plans are not "qualified plans" under the tax code, but are generally higher cost "Tax-Sheltered Annuity Arrangements".
		As of 2002, an individual may participate in a 403(b) plan and a 457(b) plan at the same time.
	invest-faq.com /articles/ret-plan-403b.html (483 words)

	Fool.com: 10 Facts on 403(b)s (Special) October 16, 2000
		A qualified employer, in the eyes of the IRS, is an organization that is "organized and operated exclusively for religious, charitable, scientific, public-safety testing, literary, or educational purposes." These types of institutions include K-12 public schools, colleges, universities, hospitals, libraries, philanthropic organizations, and churches.
		If you're satisfied with your current 403(b) plan, the most Foolish course of action may be to just leave it alone.
		He also runs a 403(b) advocacy website called 403bwise.com, which is dedicated to educating educators and other non-profit workers about the 403(b).
	www.fool.com /Specials/2000/sp001016.htm (1180 words)

	Comments to the Revised Regulations Concerning Section 403(b) Tax-Sheltered Annuity Contracts
		The four groups are: employees who make a one-time election to participate in a governmental plan instead of a 403(b) plan; employees covered by a collective bargaining agreement; visiting professors for up to one year under certain circumstances; and employees affiliated with a religious order who have taken a vow of poverty.
		Governmental 403(b) plans may be subject to more restrictive funding timeframes, and the regulations should acknowledge that they do not supersede applicable state or local law requirements.
		§1.403(b)-6(b), a Section 403(b) contract may distribute retirement benefits, other than amounts in a custodial account or attributable to IRC §403(b) elective deferrals, upon a participant’s severance from employment or upon the occurrence of some event, such as the end of a specified time period, the attainment of a specified age or disability.
	www.asppa.org /archive/gac/2005/2005-03-10-403.htm (3188 words)

	403(b) TDA Plan
		However, in the case of an eligible rollover distribution to the surviving spouse, an eligible retirement plan is an individual retirement account or individual retirement annuity.
		To the extent the Plan’s definition of Compensation includes compensation not currently includable because of the application of Code Section 125 or 403(b), this definition is amended to include compensation not currently includible because of the application of Code §§ 132(f)(4) and 457.
		An eligible plan under section 457(b) of the Code which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state.
	www.purdue.edu /hr/Benefits/403btda.htm (3885 words)

	Take advantage of 403(b)s - Feb. 16, 2000
		If you're dissatisfied with the performance of your 403(b) but are not ready to leave your job, you may roll over some of your money into another custodial 403(b) account from a provider of your choosing, said Daniel Lamaute, a principal of Lamaute Capital.
		In terms of asset distribution in 1997, 52 percent of 403(b) money went into fixed annuities, 33 percent in variable annuities, and 15 percent into mutual funds, according to the Spectrem Group, a consulting firm.
		What access to stocks 403(b) participants do have in their choice of mutual funds and variable annuities is often limited to large-caps "because they're safe," said certified financial planner Tom Grzymala.
	money.cnn.com /2000/02/16/pensions/q_retire_403b (1170 words)

	Fool.com: Know Your 403(b) Facts [Retiree Portfolios] June 11, 2001
		Though 401(k) plans and 403(b) plans are similar -- for example, they both have goofy names -- there are some important differences.
		A 401(k) participant may be able to purchase individual stocks, whereas a 403(b) participant cannot.
		And the 403(b) participant has to avoid annuities, which can be harmful to your retirement health.
	www.fool.com /retirement/retireeport/2001/retireeport010611.htm (1110 words)

	Benefits - 403(b) Plan (Site not responding. Last check: 2007-10-07)
		A 403(b) retirement plan is similar to a 401(k) plan.
		However, the biggest difference between the two plans is that a 401(k) covers private-sector workers, and a 403(b) plan is designed for employees of public schools and certain tax-exempt organizations.
		Your deposits to the 403(b) plan are not subject to Federal and State taxes at the time of deposit, and earnings on these deposits are deferred from taxes, until withdrawn.
	www.uihr.uillinois.edu /panda-cf/benefits/index.cfm?Item_ID=134 (719 words)

	AIG VALIC: About AIG VALIC > Newsroom > New Product: Roth 401(k)/403(b)
		A: Prior to January 2006, participants in a 403(b) or 401(k) plan could only make traditional elective contributions with pretax dollars — not subject to income taxes when made.
		Count toward the annual dollar limit on elective contributions, meaning they are combined with all pretax contributions made to any 401(k) or 403(b) plan and cannot exceed the IRC 402(g) limit of $15,000 in 2006.
		Generally, all 401(k) and 403(b) accounts, including Roth accounts, are subject to the RMD rules.
	www.aigvalic.com /valic2003/aigvalic.nsf/contents/news_roth (845 words)

	403(b)
		The 403(b) tax-deferred investment plan (erroneously known as a TSA, or Tax-Sheltered Annuity) was created by the IRS in 1958 allowing school district employees to augment their defined-benefit retirement plan.
		My colleagues and I have made efforts to expand 403(b) options to include more "no-load" mutual fund companies in my district by educating union rank and file, their union reps, and making very important connections to other financially savvy teacher colleagues within my district and across the country via the internet.
		One notable exception is the American Federation of Teachers, which held a very rare 403b seminar in December of 1999 in hopes of organizing a national 403(b) plan and published "Shark Attack" in their American Teacher publication.
	users.aol.com /grantemaclaren/403bsteve.html (1858 words)

	403bCompare (Site not responding. Last check: 2007-10-07)
		The 403bCompare Web site is a bank of free objective information about 403(b) vendors and the products they offer.
		403(b) plans, available investment options, fees involved and product performance information.
		You will be able to view vendor profiles which include information on vendor experience, services and a list of their 403(b) products offered in California.
	www.403bcompare.com (229 words)

	UCSD Blink: Tax-Deferred 403(b) Plan
		What it is: The 403(b) plan is a voluntary savings and investment plan designed to provide supplemental retirement benefits.
		Investment options: 403(b) participants can choose from a group of UC selected and monitored CORE funds.
		Leaving UC employment: Participants who leave UC employment or retire have several options for their 403(b) plan money, including: inactive participation (leave money in the plan with a balance of $2,000 or more); a full distribution (payable to the participant or directly rolled over to an IRA or employer-sponsored plan); or a partial distribution.
	blink.ucsd.edu /Blink/External/Topics/Policy/0,1162,53,00.html (527 words)

Try your search on: Qwika (all wikis)