Iminikelo yohlelo lokugcina imali ebalulekile iyabalulekile, kodwa ingakwazi ukukuthola kuze kube manje. Isihluthulelo sokwandisa le mali siwutshala imali.
Izindlela ezimbili zokutshala izimali
Abahlanganyeli beThft Savings Plan banezinketho ezimbili zokutshala izimali. Okokuqala ukutshala izimali kwi-Lifecycle Funds noma L Izimali. Lezi zimali zisebenza njengezikweletu zomhlalaphansi ezinikezwa izinkampani zokutshala izimali. Inketho yesibili ukutshala izimali ezazisetshenziselwa ukwakha iziKhwama zeL. Abahlanganyeli bangasebenzisa noma kokubili izindlela.
Izikhwama ze-L
IziKhwama zibizwa ngokuthi yi-approximate year ukuthi abatshalizimali bakholelwa ukuthi bazoqala ukuhoxisa imali kwi-akhawunti yabo ye-Thrift Savings Plan. Lo nyaka awukona umnyaka ukuthi isisebenzi sizohlala; Kodwa-ke, unyaka wokuthatha umhlalaphansi kanye nonyaka lapho umsebenzi eqala ukuhoxisa izimali zivame ukufana. Izimo zomuntu ngamunye zingase ziphoqe umhlanganyeli ohlelweni ukuba ashiye imali isikhathi eside.
Ababambiqhaza bakhetha ukutshala izimali ku-L Izimali ukuze kube lula. Abasebenzi baseSifunda bangase bangabi nesikhathi, ulwazi noma ukuzimisela ukuphatha imali yabo ye-Thrift Savings Plan ngokusebenzisa izimali ngabanye. L Izimali zivumela isisebenzi ukuba senze isinqumo esisodwa - uma silindele ukuqala ukuhoxisa imali - futhi uvumele izimali zenze konke okunye.
Ukulandela izimiso eziyisisekelo zokutshala izimali, umtshali omncane kumele azimisele ukuthatha ingozi enkulu kunomtshali-zimali osekhulile. Umtshali omncane unesikhathi esiningi sokuphuma ezikhungweni zokulima. Ukuhlanganiswa kwezitshalomali ngaphakathi kweziKhwama zezimali zikaL kuguqulwa ngokuhamba kwesikhathi ukuze kube nokuqapha okukhulu njengoba unyaka wesiKhwama usondela. Indlela eqhubekayo yokulondoloza isho ingozi encane kodwa inzuzo ephansi.
Kukhona okwamanje izikhwama ezinhlanu L ezitholakalayo ku-Thrift Plan Abahlanganyeli:
- L 2050
- L 2040
- L 2030
- L 2020
- L Income
IsiKhwama seNzuzo ye-L sabantu abahlela uhlelo abavele behoxisa imali noma bahlose phakathi kuka-2014 no-2014. Abasebenzi baseSifundazwe abahlose ukuqala ukuhoxisa imali phakathi neminyaka eyishumi kufanele banqume ukuthi kungenzeka yini bahoxise ngokushesha noma kamuva kunabo ngonyaka okhethiwe futhi utshale ngokufanele. Njengoba isikhathi siqhubeka, ezinye iziKhwama ze-L zizodalwa ukuze zishintshe lezo eziphelelwe yisikhathi.
Izimali Zomuntu ngamunye
Uma abahleli behlela befuna ukuphatha ama-akhawunti abo eduze, bazokweqa iziKhwama ze-L bese bebeka imali yabo ngemali ngayinye. Ngenkathi i-L Izimali zingenengozi encane ngokuhamba kwesikhathi, abahlanganyeli abatshale izimali ngemali ngabanye kumele baphathe ingozi abazimisele ukuyibekezelela ngokuhamba kwesikhathi. Lezi zimali zihlanganisa ukuhlanganiswa kwezitshalomali ngaphakathi kweziKhwama zeL.
Kukhona izimali eziyisihlanu zabanye abahlanganyeli beThft Savings Plan:
Isikhwama Sokugcinwa Kwamasheya kahulumeni (G) Fund
Lesi sikhwama sitshala kuphela ekuqinisekisweni kwezimali ezimayelana nesikhashana se-US Treasury. Ukuzuza kufana nalabo abanamasheya omhlalaphansi wesikhathi eside. Ayikho ingozi yokulahlekelwa yinhloko.
I-Common Stock Index Investment (C) Fund
Lesi sikhwama silinganisa i-Standard & Poor's 500 (S & P 500). Amasheya avela ezinkampanini zase-US ezincane.
Isikhwama se-Fixed Income Investment (F)
Lesi sikhwama silinganisa i-Barclays Capital yase-United States Ehlanganisiwe Bond Index. Izibopho zalesi sikhwama zivela ezindaweni ezihlukahlukene emakethe yebopho.
IsiKhwama seSitatimende seSitatimende seSitatimende seSikhwama semali encane
Lesi sikhwama silinganisa i-Dow Jones US Complete Total Stock Market (TSM) Index. Kuyinto engavamile kakhulu kunezinye izimali kodwa inikeza amathuba okuzuza okuphezulu.
I-International Stock Index Investment (I) Isikhwama
Lesi sikhwama silinganisa iMorgan Stanley Capital International EAFE Stock Index.
Ikuvumela ukuba utshale ezinkampanini ezinkulu emazweni athuthukile.
Inothi Lomhlahlandlela: Okuqukethwe kwalesi sihloko kungenxa yokwaziswa kuphela. Lesi sihloko asihloselwe ukunikeza iseluleko sokutshala izimali. Xhumana nochwepheshe ofanelekayo wezezimali ukuze uthole iseluleko sokutshala izimali.