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Voluntary Retirement Savings Program

TIAA Online Enrollment Instructions   (PDF Format, 103KB)*
TIAA Calculators


Benefit Description

  • The voluntary 403(b) Savings Program allows employees to contribute part of their income toward retirement.
  • Employee contributions are on a salary reduction (pre-tax) or on an after-tax (Roth 403(b) basis.
  • Employee contributions will be directed to an account at TIAA.

Eligibility Requirement

All employees


Eligibility Date

Date of Hire


Annual Limits For Calendar Year 2025

Employees are able to contribute a portion of annual salary up to certain limits. Review the table below to determine your annual deferral limit.


  • Less than age 50: The lesser of 100% of pay up to $23,500
  • Age 50 and over: The lesser of 100% of pay up to $31,000

Are You Employed By SDSU and SDSU Research Foundation?

If you are employed at both SDSU and SDSU Research Foundation, the amount you can tax defer between both employers should not exceed the annual IRS limits listed above. Contact TIAA for additional information at 1-800-842-2252.


It's Easy To Start Contributions

Review TIAA Online Enrollment Instructions   (PDF Format, 103KB)*


Changing Your Contribution?

Review TIAA Online Enrollment Instructions   (PDF Format, 103KB)*


Need Additional Information?


403(b) Savings

  • Contribute up to the maximum contribution amount of $23,500 in 2025
  • If you are age 50 or over, you can contribute an additional $7,500 in 2025
  • No waiting period to start
  • Easy payroll deductions
  • Immediate tax savings if pre-tax contribution
  • Tax-deferred earnings if pre-tax contribution
  • Tax eliminated on earnings made under after-tax Roth 403(b), if certain requirements are met
  • Small minimum contribution


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