Retirement Planning & The Uni-K Plan®

Individuals are encouraged to seek advice from their financial, legal, tax and other appropriate financial professionals before making any investment or financial decisions or purchasing any financial, securities or investment-related product or service, including any product or service described in these materials. Amundi Pioneer does not provide investment advice or investment recommendations.

 

Frequently Asked Questions about the CARES Act

A guide to understanding the Coronavirus Aid, Relief and Economic Security (CARES) Act, concerning the relief provided for IRA owners and retirement plan participants.

Retirement Plans Pocket Guide

A quick reference guide to eligibility, contribution limits and requirements, deductions and tax credit incentives for a variety of individual and employer-sponsored retirement plans.

Amundi Pioneer Roth IRA

Amundi Pioneer Roth IRA contributions are not tax-deductible, but earnings grow tax-deferred and your client can withdraw them entirely tax-free if:

  • Your client's account has been open for at least five years, and
  • Your client is at least age 59½, disabled, uses up to $10,000 to buy a first home, or upon death.

Even before your clients meet the conditions for withdrawing tax-free earnings¹, they can always withdraw an amount equal to their contributions without paying any tax — regardless of their age or how long their account has been open. That means they can take money out at any time and pay no tax until they have taken out all of their original contributions.

  Frequently Asked Questions about the Roth IRA  

Visit the Forms and Applications page for more information on what you need to open or update a Roth IRA account.

1Earnings may be subject to a 10% penalty if withdrawn before age 59½.

Traditional IRA

Your clients' contributions to a Traditional IRA may be tax-deductible, depending on their income and whether they participate in a retirement plan at work. 

If your clients are eligible for a tax deduction, their current-year tax bill could shrink every time they invest. For example, if they are in a 24% tax bracket and make a $6,000 deductible contribution to a Traditional IRA, they could save $1,440 on their taxes that year.

Regardless, all earnings in a Traditional IRA grow tax-deferred. Investors don't pay taxes until they withdraw their money, which usually is during retirement when they may be in a lower tax bracket.

Frequently Asked Questions about the Traditional IRA

Before investing, consider the product's investment objectives, risks, charges and expenses. Contact your financial professional or Amundi Pioneer for a prospectus or summary prospectus containing this information. Read it carefully. To obtain a free prospectus or summary prospectus and for information on any Pioneer fund, please download it from our  literature section.

Securities offered through Amundi Pioneer Distributor, Inc., 
60 State Street, Boston, MA. 02109. 
Underwriter of Pioneer mutual funds, Member  SIPC.  

Not FDIC insured | May lose value | No bank guarantee