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.

Simplified Employee Pension Plan (SEP)

SEPs are ideal for self-employed people and small-business owners who wish to make tax-deductible contributions of up to 25% of their income, while maintaining complete contribution flexibility each year. In general, your client must contribute the same percentage of pay for his/herself and any eligible employees through their IRAs. SEPs are the easiest retirement plans to administer and are a good choice for firms with few or no employees, including individuals who do either full-time or part-time freelance work.


Firms with 100 or fewer employees can establish a SIMPLE IRA – an employee savings program that in some ways resembles a 401(k). Employees can make pretax contributions through payroll deduction. Employers pay no administration costs and direct all contributions to individual SIMPLE IRAs. Since employer contributions are required each year, this plan makes sense for businesses with predictable income.

SIMPLE IRA – Employer Guide

A comprehensive reference guide to the SIMPLE IRA for employers with 100 or fewer employees. Provides an overview of establishing the plan, outlines plan highlights and offers step-by-step instructions for how to set up the plan. A Form 5304-SIMPLE is included to assist in the establishment and administration of the SIMPLE IRA plan.

SIMPLE IRA – Employee Guide

A guide to helping employees prepare for retirement with an employer-sponsored SIMPLE IRA Plan. Discusses tax savings and the power of tax-deferred growth over time. Highlights the advantages of participating in this plan, with the addition of employer contributions, and answers commonly asked questions. Provides five easy steps to getting started.

SIMPLE IRA Sample Announcement Letter

Employers can use this sample letter template to customize and distribute their introduction of the SIMPLE IRA plan and steps for enrollment to their employees. 

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

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.

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