Ukuphepha komphakathi
Iningi, kodwa hhayi bonke, abasebenzi bakahulumeni banomthelela ekuKhuseleni Komphakathi. Lokhu kubaluleke kakhulu ngoba labo abangabambi iqhaza ekuKhuseleni kwezenhlalakahle abahoxisi izimali ngesikhathi sokuthatha umhlalaphansi noma bekhubazekile.
Labo basebenzi bakahulumeni abangenzi iqhaza kumele baqinisekise ukuthi ezinye izinyawo ezimbili zesitini zinamandla.
Ukuvikeleka kwezenhlalakahle ibhola lezombangazwe ezingeni likahulumeni. Abezombusazwe bayazi ukuthi izinqumo ezingalungile kumele zenziwe ukuze kuqhutshekwe ukuxazululwa kwe-system, kodwa akekho othanda ukuthatha izintando zezombusazwe ezinciphisa izinzuzo noma iminikelo ekhulayo. Lo mlenze wesitokisi uqobo ungangena ekuthungeni ngenxa yezombusazwe ezungezile.
Ukuvikeleka kwezenhlalakahle ngokwakho ngeke kusekele indlela yokuphila umzuzi ojwayele ukuhlala. Lo mlenze kufanele ube nesisindo esincane ngangokunokwenzeka.
Izinhlelo zokuthatha umhlalaphansi
Amacebo omhlalaphansi akuzona nje lokho ayevame ukukwenza. Abezombusazwe basebenzise abasebenzi bomphakathi kanye nezinzuzo zabo zokuthatha umhlalaphansi njengezikhwama zezimali zokuqapha izimali zomphakathi. Ungalokothi uchithe ukusetshenziswa kwemali yengulube nezinhlelo zokusiza zomphakathi ezibiza kakhulu. Abasebenzi yingxenye enkulu yanoma yisiphi isabelomali senhlangano, futhi ukuhlinzeka abasebenzi ngenxa yalokhu kuyi-killer morale.
Ukukhwabanisa kwezombusazwe kuye kwaba nomthelela omkhulu ohlelweni lokuthatha umhlalaphansi . Izinzuzo zinciphile ngenkathi izindleko ezithathwe ngabasebenzi zikhuphukile. Nakuba umkhakha wangasese awudingi ukubhekana nabopolitiki abaqeda izinzuzo zabo zokuthatha umhlalaphansi, abasebenzi basezimboni ezizimele baye babona izinzuzo zabo zokuthatha umhlalaphansi zinciphisa.
Kuzo zombili imikhakha, izinhlelo zokuhlala zomhlalaphansi 'ukuzinza akusekho okuqinisekisiwe ababeba nazo.
Abasebenzi abaningi basefesheni bafaka isandla ku- Federal Employees Retirement System System . Le nqubo inesitokisi sayo esinezinyawo ezintathu ze-Social Security, inkokhelo yokukhokhela imali kanye nesuhlelo lokugcina imali olubizwa nge- Thrift Savings Plan . Izisebenzi zikahulumeni ezingabambi iqhaza kuma-FERS zinegalelo eMnyangweni WezeMhlalaphansi Wezenhlalakahle okuwukuphela kwemali. Kuzo zombili izinhlelo, i-annuities ichazwa izinhlelo zokuhlomula.
Ohulumeni basekhaya nabasendaweni abanesimiso sabo sokuthatha umhlalaphansi bavame ukuchaza izinhlelo zokuhlomula ezidinga ukubamba iqhaza kwabasebenzi. Abaningi banezinketho zokonga imali ezifana ne-401 (k) ne-IRA, kodwa lezo zingxenye azivumi ukugunyazwa.
Ukulondoloza komuntu siqu
Njengoba kushiwo ngaphambili, izinhlelo ezithile zokuthatha umhlalaphansi zinokukhethwa kukho noma izidingo zokulondoloza umuntu siqu. Uhlelo lukaHulumeni lukaThrift Savings Plan luyadingeka ngezinga elithile. Ama-Agent anikezela inani elilingana nengxenye yomholo wesisebenzi. Isisebenzi singanikela ngaphezulu. Imikhakha ishukunyiswa ngokulinganisa iminikelo kuze kufike iphuzu elithile ukuthi ama-ejensi azofanisa noma ahlukanise ukuthi yini abasebenzi abafaka ngayo ngokuzithandela kwabo.
Lapho izimoto zokulondolozwa komuntu siqu zingenayo izici ezifanisayo, abasebenzi bezombusazwe abanakho ukugqugquzela ukusebenzisa uhlelo lwesistimu yokuthatha umhlalaphansi esikhundleni salokho okuhlinzekwa yizinkampani zokutshala izimali ezizimele. Njengamanye amacebo amaningi okulondolozwa nguhulumeni aphethwe nguhulumeni, i-Thrift Savings Plan inikeza izinketho ezilinganiselwe zokutshala izimali . Izinkampani zokutshala izimali ezizimele zinezinketho eziningi.
Kungakhathaliseki ukuthi abasebenzi bakahulumeni bakhetha ukusindisa kanjani umhlalaphansi, into ebalulekile ukuthi bayasindisa ngempela. Izinsuku zokuthembela ku-Social Security kanye nempesheni sekuphele isikhathi eside.
Ukulondoloza ukulinganisela
Njengoba isichazamazwi se-stool siphakamisa, umlenze ngamunye wesitoko ubalulekile. Abasebenzi bakaHulumeni kufanele banakekele umlenze ngamunye futhi baqinisekise ukuthi uhlala uqinile. Izinhlelo zokulondeka kwezenhlalakahle nezokuthatha umhlalaphansi ngokuyinhloko ngaphandle kokulawulwa kwabasebenzi, ngakho-ke abasebenzi bezindawo bangenza umehluko omkhulu ekuzinzeni isikhathi eside isikhathi eside ukugcina imali.
Izisebenzi zomphakathi ezifuna ukwandisa ukuphepha komhlalaphansi kufanele zibonane nabacebisi bezezimali ngokusebenzisa izinhlelo zabo zokuthatha umhlalaphansi noma ngokusebenzisa izinkampani zokutshala izimali ezizimele. Amanye amasu omhlalaphansi anamalungiselelo nabacebisi bezezimali abazimele abasebenzisa amazinga amancishisiwe futhi banolwazi lokusebenza nabasebenzi bomphakathi.