Ngenxa yokuthi uhlelo lwe- Thrift Savings luhloswe ukuthola imali engenayo yokutshala imali kumhlalaphansi, abasebenzi basezintlangeni kufanele baphume imali yabo kule plan baze baqede umhlalaphansi.
Kodwa-ke, i-US Office of Personnel Management ivumela abasebenzi baseFrance ukuba bahoxise imali ngaphambi kokuthatha umhlalaphansi kulandela izinhlinzeko zepulani. I-OPM ilawula uhlelo lwe-Thrift Savings Plan.
Enye indlela yokuhoxisa imali kwi-Thrift Savings Plan iyimboleko. Lezi zinhlobo ezimbili ze-Thrift Savings Plan loan ziyizinhloso ezijwayelekile zokubolekwa kwemali mboleko kanye nemali mboleko yokuthenga noma ukwakhiwa kokuhlala okuyisisekelo.
Nakuba kunezinzuzo nezinkinga zokuthatha isikweletu se-Thrift Savings Plan, izimo ezimbi zidlula kakhulu izinzuzo ezingakaze zenzeke ukuthi u-OPM welule izisebenzi zikahulumeni ukuthi ziqede zonke ezinye izinketho zemali mboleko ngaphambi kokuboleka kuma-akhawunti wabo we-Thrift Savings Plan. Lokho kusho, okubalulwe ngenzansi yizinzuzo nezindleko zokuthatha isikweletu se-Thrift Savings Plan.
Izinzuzo
Izici ezinhle zokuthatha isikweletu se-Thrift Savings Plan zilandelayo:
- Izinga lentela eliphansi: Inzalo yenzalo ku-Thrift Savings Plan loan iyafana nezinga lokubuyela kwi-G Fund. Lesi sikhwama singenye yezimali ezitholakalayo zokutshala imali ngokusebenzisa uhlelo lweThft Savings Plan. Yakhiwe ngamasheya kahulumeni. Isikhwama se-G kanye nezinye izimali ze-Thrift Savings Plan zisetshenziselwa ukwakha ukuxuba okutshalwa kwezimali ezibhekiswe kuzo abahlanganyeli abahlelayo. Isikhwama se-G sinesilinganiso sokubuyisa esingaphansi kwama-2.0%. Izinga elisetshenziselwe ukuboleka imali yi-G Isamba seSikhwama ngosuku obolekwa ngalo mboleko.
- Izamba eziningi zemali ezivunyelwe: Uma unayo imali ku-akhawunti yakho, ungakwazi ukuboleka phakathi kuka-$ 1,000 no-$ 50,000. Iwebhusayithi ye-Thrift Savings Plan inebalawuli sesikweletu ongayisebenzisa ukulinganisa izinkokhelo zakho zemalimboleko.
- Ukukhokhwa ngokukhishwa kwe-payroll: Kusukela kumbono wokucubungula, ukubolekwa kwe-Thrift Savings Plan kulula ukuyibuyisela. Izinkokhelo zenziwa ngokukhishwa kwe-payroll.
- Amandla okwenza izinkokhelo ezengeziwe nganoma yisiphi isikhathi: Uma ufuna ukwenza inkokhelo eyengeziwe emalini yakho mboleko, ungakwenza lokho ngekhuphoni lokukhokhwa kwemali mboleko etholakalayo kwiwebhusayithi yesimo. Ikhuphoni isiza ukuqinisekisa ukuthi inkokhelo yakho isetshenziselwa imali yakho. Uma ukhokha isimiso esengeziwe eminyakeni yokuqala yokubolekwa kwakho, ungakhokha imali ngaphambi kwesikhathi noma uyibuyise kabusha imali ukuze wenze izinkokhelo ezincane.
I-Cons
Izici ezimbi zokuthatha isikweletu se-Thrift Savings Plan zilandelayo:
- Imali yokucubungula isicelo: Imali engu- $ 50 yokucubungula isetshenziselwa isikweletu ngasinye. Ihliswa ngemali oyitholayo uma uthola imali.
- Ukungaphumeleli kwimali engenayo: Lokhu kuyinkinga enkulu kunazo zonke ekuthatheni isikweletu se-Thrift Savings Plan. Uboleka ngokuyisisekelo esikhathini esizayo uma uthola imali. Uma ususa imali ku-akhawunti yakho ye-Thrift Savings Plan, uyakulahla ukukhula kokutshalwa kwemali ongayithola. Ngaphezu kwalokho, kufanele ukhokhe imali yakho ngenzalo.
- Ukukhokhwa kwezinsuku ezingu-90 uma ushiya inkonzo yenhlangano: Uma ushiya inkonzo yenhlangano ngenkathi unesikweletu se-Thrift Savings Plan esivelele, kufanele uyibuyisele kungakapheli izinsuku ezingu-90. Ngaphandle kwalokho, imali evelele izobikwa kwi-Internal Revenue Service njengenzuzo.
- Imigomo emalimboleko emfushane: Izikhathi zokubolekwa zifushane. Imalimboleko yenhloso evamile kumele ibuyiselwe eminyakeni emihlanu. Imalimboleko yokuhlala kumele ikhokhwe eminyakeni engama-15.
Kubalulekile ukuphinda uqinisekise ukuthi i-OPM itusa ukunciphisa zonke ezinye izinketho zemali mboleko ngaphambi kokubolekisa i-akhawunti ye-Thrift Savings Plan.