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Additional Voluntary Contributions

 contributions made by an employee into a tax-deferred savings account such as a 401k or 403b beyond the level at which an employer will match the investment depending on the level of contributions these may be made on a pre-tax or after-tax basis the tax law limit the total amount of money that can be contributed to such a tax-deferred amount in any case all funds so contributed accumulated without taxation until withdrawal at retirement the employee chooses the investment vehicle in which the money is invested 

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