401(k) & 403(b) Plans

Part of Your Retirement Strategy

Don’t overlook the opportunity to pair your employer-sponsored plan with an IRA, to help maximize your investments for retirement. PNC Investments can help you assess your retirement planning options and determine what account type may be appropriate to help meet your goals.

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Key Features

Employer Contribution

Many employers will match a portion of your 401(k) or 403(b) contributions; try to take advantage of this benefit whenever possible

Tax Benefits

Employer-sponsored plan earnings accumulate tax-deferred for retirement until they're withdrawn

Pair With an IRA

Using both an employer-sponsored plan and an IRA provides the opportunity to invest more for your retirement


Defined contribution retirement plans, such as 401(k) and 403(b) plans, are retirement savings vehicles funded by employee contributions and, oftentimes, matching employer contributions. If your employer offers a defined contribution plan, you should try to take full advantage of it.

Features and Benefits

  • Contributions are generally made before taxes
  • Many employers will match a portion of employee contributions
  • Eligibility and plan guidelines are established by the employer
  • Assets can be invested in a variety of mutual funds
  • Earnings accumulate tax-deferred until withdrawn

Understanding Rollover IRAs

We can help you explore your options for your 401(k) when leaving your employer.

Let's Talk — Fill out this simple form and a
PNC Investments professional will get in touch with you.

Associated Products & Services

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset ManagementSM:

Individual Retirement Accounts (IRAs)

Using both an IRA and an employer-sponsored plan, such as a 401(k), provides the opportunity to invest more for your retirement.

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PNC Investments Advisor-Managed Accounts

Accounts managed on your behalf by a Registered Investment Advisor.

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Life Insurance

For many, life insurance is a critical component of an overall financial plan, and selecting the right amount of coverage and policy type can be a challenge. As with all investments, it’s important to monitor life insurance policies to ensure they’re helping you to achieve your financial goals. PNC Investments can provide you with a no-cost policy review to help confirm you’re receiving the best possible value.

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Important Legal Disclosures and Information

  1. If you have a 401(k) from a former employer, you may have several options to consider. Each option may have different costs, payment options and other features. Consult your legal or tax adviser for more information.

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 offered 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.

View the PNC Investments Business Resiliency Planning Customer Disclosure.

This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.

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.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.