August 02, 2017 17:07 Updated Follow “Pre-tax” means you have the money taken out of your paycheck before taxes are applied. Learn more here. Related articles How do I make voluntary pre-tax contributions to my Annuity Savings Account? Where can I find INPRS retirement plan fact sheets? What's the difference between a TRF pension and an Annuity Savings Account? What is the Rollover Savings Account Full Withdrawal retirement option? What are my options for taking a distribution of my Annuity Savings Account?