Traditional IRA

~~Traditional IRA~~ Roth IRA Rollovers Get Started

Is a traditional IRA right for you?
Traditional IRAs allow your assets to grow tax-deferred until withdrawn at retirement. Contributions to a Traditional IRA may be tax-deductible (depending on your adjusted gross income), offering you the potential for tax savings today. Money may also be withdrawn penalty-free if it falls within certain guidelines. To help you make a better informed decision on whether or not a Traditional IRA is suitable for you, review the key features listed below.

Key Features of a traditional ira

Feature	Description
Eligibility	Under age 70½ with earned compensation.

Maximum Annual Contribution Limit	2009: $5,000. (This is the maximum total that may be contributed to all of your IRA accounts annually.)

Catch-up Contributions	Over age 50 (as of the end of the calendar year), you may contribute an additional $1,000 annually.

Tax Advantage	Assets grow tax-deferred without penalties or tax consequences until withdrawal.

Tax Deductibility	The amount of the contribution may be tax-deductible, depending on your adjusted gross income (AGI) and your participation in an employer-sponsored retirement plan.

Full Deductibility	Single: Up to $55,000. Married Filing Jointly: Up to $89,000.

Partial Deductibility	Single: Up to $65,000. Married Filing Jointly: Up to $109,000.

Distributions	Required minimum distributions must start at age 70 ½.

Withdrawals	If you are under age 59½ and your withdrawal is not for one of the following reasons, the withdrawal will be subject to a 10% early withdrawal penalty: Death or disability of account owner Part of a series of substantially equal periodic payments Certain major medical expenses Medical insurance premiums after the IRA owner has received unemployment compensation for more than 12 weeks Qualified first time home purchase Qualified higher education expenses IRS levy

Tax Credits for Low- and Moderate-Income Savers	Low- and moderate-income savers who make voluntary contributions to retirement savings plans and IRAs are eligible for an additional tax break, depending on their tax bracket. 50% Tax Credit Individual Tax Filing: $0 - $15,500 Joint Tax Filing: $0 - $31,000 20% Tax Credit Individual Tax Filing: $15,500 - $17,000 Joint Tax Filing: $31,000 - $34,000 10% Tax Credit Individual Tax Filing: $17,000 - $26,000 Joint Tax Filing: $34,000 - $52,000

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No-Fee IRA

Stop paying IRA fees and put more of your money to work for you each year. Learn about the benefits of an PNC Funds No-Fee IRA.

No-Fee IRA

Traditional vs. Roth

Not sure whether a Traditional or Roth IRA is right for you? Learn about the key differences between Traditional and Roth IRA’s.

Traditional vs. Roth IRA

Downloads

IRA Kit

NOT FDIC INSURED | NO BANK OR FEDERAL GOVERNMENT GUARANTEE | MAY LOSE VALUE

You should consider the investment objectives, risks, charges and expenses of the PNC Funds carefully before investing. A prospectus or summary prospectus with this and other information may be obtained at 1-800-622-FUND (3863) or pncfunds.com. Please read it carefully before investing.

PNC Capital Advisors, LLC, a subsidiary of The PNC Financial Services Group Inc., serves as investment adviser and co-administrator to PNC Funds and receives fees for its services. Shares of PNC Funds are distributed by Professional Funds Distributor, LLC (PFD), 760 Moore Road, King of Prussia, PA 19406. PFD is not affiliated with PNC and is not a bank.

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