Retirement Planning & The Individual(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 US does not provide investment advice or investment recommendations.

401(k)? You never thought it could work for a small business.

The Individual(k) Plan™ is something completely different - a type of 401(k) plan designed specifically for owner-only businesses. With higher maximum contribution levels, loans, and the ability to consolidate your other retirement accounts, this plan is something completely different. Thanks to changes in the tax laws, even the smallest business can enjoy all the benefits of a big company 401(k) without the expense and complexity.

Features of the Individual(k) Plan™

The Individual(k) Plan™ has many benefits beyond its generous contribution limits. Consider the following:

  • Valuable tax advantages. Individual(k) contributions are tax-deductible by your business, and earnings grow on a tax-deferred basis until withdrawn.*
  • Complete contribution flexibility. You decide each year whether to contribute and how much to contribute.
  • Wide range of investment choices. Amundi US offers a selection of mutual funds ranging from conservative to aggressive so you can tailor your investment program to suit your retirement goals.
  • Hassle-free. Individual(k) is easy and inexpensive to maintain. Unlike traditional 401(k) plans, there are no complicated discrimination tests or administrative requirements.
  • Loan availability. You can take loans from your Individual(k) account -- tax-free and penalty-free -- under the same guidelines available to large corporate 401(k) plans.
  • Account consolidation. Individual(k) can be used to consolidate retirement assets held in different plans to create one convenient account. Individual(k) can also accept rollovers of Roth monies from other 401(k) plans. See additional information below.


* For Qualified Distributions, which means that the initial Roth contribution has generally been in the account for five or more years and is either: made on or after the date you attain age 59½; made after your death, or attributable to your being disabled.


Individual(k) Plan™ – Financial Professional Selling Guide

A complete guide to selling the Individual(k) Plan™, including maximum contributions, ways to enhance prospecting efforts, and steps to establish a Individual(k) Plan™ or rollover an existing plan. Also helps address potential client concerns and provides resources and tools to start the conversation with clients. 

Download Guide



Individual(k) Plan™ – Client Guide

An in-depth overview of the Individual(k) Plan™ features and benefits, including contribution limits, and answers to commonly asked questions about the plan.

Download Guide

Individual(k) Plan™ Factsheet

Highlights key features of the Individual(k) Plan™, including contributions, fees/administrative requirements, and rollover instructions.

Download Factsheet

2023 Retirement Plans Pocket Guide

Download Pocket Guide

Additional Rollover Information

If you are retiring or moving on to another job, your retirement plan asset distribution options to consider generally include:

Choice 1: Take your retirement plan assets as a distribution.
Choice 2: Leave your retirement plan assets in your former employer’s plan.
Choice 3: Transfer your retirement plan assets to your new employer’s plan.
Choice 4: Roll your retirement plan assets over into an IRA (i.e., Traditional or Roth as applicable) to another qualified plan - such as the Individual(k) Plan®.

It is important to note that this is not intended to be an all-encompassing discussion of distribution options available to you. It is provided for educational purposes only. In addition to these choices, you may wish to discuss the following factors with your financial professional as you weigh your options:

  • Investment Options
  • Fees and Expenses
  • Services
  • Penalty-Free Withdrawals
  • Protection from Creditors
  • Required Minimum Distributions


Mutual fund returns and share prices fluctuate, and shares, when redeemed, may be worth more or less than their original cost.

Please request a free information kit on any Pioneer fund from your investment representative, or from Amundi US by calling 1-800-225-6292. Each kit includes a prospectus which contains more information, including charges and expenses. Please read the prospectus carefully before you invest or send money.

This material is not intended to replace the advice of a qualified attorney, tax professional, investment professional, or insurance agent. Before making any financial commitment regarding the issues discussed here, consult with the appropriate financial professional.

Before investing, consider the product's investment objectives, risks, charges and expenses. Contact your financial professional or Amundi US 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 Distributor US, Inc.
60 State Street, Boston, MA 02109
Underwriter of Pioneer mutual funds, Member   SIPC.   

Not FDIC insured | May lose value | No bank guarantee Amundi Asset Management US, Inc.  Form CRS         Amundi Distributor US, Inc.  Form CRS