Money placed in a retirement plan, such as a b , IRA individual retirement account , k , or other retirement plan for a particular tax year. The government allows these b contribution limits to increase for inflation by releasing the cost of living adjustment figures each year. Since most b plans offer a money market fund as one of the investment options, you could tuck your contribution and your match in there and hold it with relatively little risk compared to the potential fluctuations of mutual funds that invest in stocks and bonds. Account holders can take loans against their b when they are in emergency need of cash. My Accounts Log on.