OSU/A&M Voluntary 403(b) Retirement Plan (OSU/A&M Voluntary Employee Plan)

OSU/A&M System offers this plan as part of workplace benefits. Now is a great time to understand what is offered - think about taking advantage of any opportunities to save and invest for the future. 
Learn what plans allow eligible employees to do.
Employees may elect to defer from a minimum amount of $15.00 a month to the OSU/A&M Voluntary 403(b) Retirement Plan each calendar year up to the maximum amount allowable by law, not to exceed the limits of the federal tax code.
Making after-tax contributions under the Roth savings choice is another way to contribute to this plan.1

With the Roth Savings Choice
You may:
  • Make after-tax contributions, which has the potential to grow tax deferred.
  • Withdraw funds tax free as long as you're at least age 59½ (or you are permanently disabled) and your withdrawal is made at least five years after making your first Roth contribution.
  • Roll over funds to a Roth IRA or into/from another 403(b)/401(k) plan that accepts rollover assets, upon meeting an IRS triggering event.2
  • Combine Roth after-tax and traditional pretax contributions up to the maximum contribution limits for which you are eligible.
1 Roth refers to Roth 403(b)/401(k) depending on the Internal Revenue Code of the plan. It does not refer to a Roth IRA.
2 Before consolidating outside retirement assets with other providers, you should weigh each option carefully. You may also be able to leave money in your current plan, roll over money to an IRA, or cash out all or part of the account value. You should weigh each option carefully and its advantages and disadvantages, including desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement plan. You should seek the guidance of your financial professional and tax advisor prior to consolidating assets.
All employees paid through the OSU/A&M payroll system are eligible to participate in the 403(b) Plan regardless of classification, percent of time employed or length of appointment.
"Vesting" refers to your right, usually earned over time, to receive some retirement benefits regardless of whether or not you remain with your employer. Contributions to this account will be 100% vested immediately.

Learn which mutual funds and other investments are available

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