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Roth IRA Vs. 403B. Roth IRAs and 403(b) plans are good ways to save for retirement. A Roth IRA and a 403(b) are two different types of retirement plans. Almost anyone can contribute to a Roth IRA. 403(b) plans are only available to employees of public schools and certain other tax exempt organizations.ree Money. Some employers match the 403(b) contributions made by their employees -- getting an employer match is like receiving a tax free bonus. You put in some money, and they match your contribution up to a certain percentage or dollar amount.
Common Questions Regarding 403b Retirement Plans. In 2012, you can contribute up to $17,000 to your 403b, and if youâre over the age of 50, you can contribute an extra $5,000 for a total of $22,000.In most circumstances, you must contribute to your 403b by payroll deduction out of your paycheck.As an added bonus, if you have 15 years of service or more with your current employer and contributed an average of $5,000 or less per year, you can contribute an additional $3,000 during the year.ommon Questions Regarding 403b Retirement Plans. In 2012, you can contribute up to $17,000 to your 403b, and if youâre over the age of 50, you can contribute an extra $5,000 for a total of $22,000.