Uhlelo lwe-Thrift Savings uhlelo lokulondoloza umhlalaphansi kumalungu ezempi kanye nabasebenzi basebenzi bezombusazwe. I-TSP iyisikhwama esikhokhelwa intela, okusho ukuthi imali eyanikezwa ku-akhawunti isuswa ngokushesha kubantu abahola imali engenayo, kanti imali esikhwameni asikhokhiswa kuze kube yilapho ihoxiswa umhlalaphansi, ngokuvamile ngemva kweminyaka yobudala engama-59 1/2, ukunciphisa intela okuphawulekayo.
Ngokusho kwe-Army Maj.
UJohn Johnson, umqondisi weMkhandlu Wezezimali Zama-Armed, abantu abaningi abasebenzayo kumele bazuze uhlelo lweThft Savings Plan, ngoba kuyindlela ekhangayo yokutshala imali enezinzuzo eziyingqayizivele zamalungu ezempi.
Ngokuqinisekile umshado uthanda ukubona ukuthi izinga lokubamba iqhaza likhuphuka, ngoba lizuzisa kakhulu, uJohnson uthe ngesikhathi exoxwa ne-American Forces Press Service. Kubalulekile ukuthi wonke umuntu asindise imali yakhe yokuthatha umhlalaphansi kuqala, futhi uma uzobe usindisa, indawo yokuqala ofuna ukuyifaka kuyi-akhawunti yomhlalaphansi ekhokhelwa intela noma ekhokhelwa intela.
Njengamanje i-TSP idonsa iqhaza kusuka engxenyeni yezempi.
Uma ungenayo i-TSP noma enye i-akhawunti echazwe intela, njalo ngonyaka, imali engenayo kulesi sikhwama (ingabe ingathola) intela, kusho. Uma ubheka ngaphezulu komsebenzi wakho wonke weminyaka engu-40, ngokuvamile ukhuluma, uzothatha ama-dollar ayizinkulungwane ezingamakhulu amahlanu ngokunikela kwi-akhawunti ekhokhiswa intela ngokuphambene ne-akhawunti ekhokhisiwe.
Kusukela kulo nyaka, amalungu ezempi angenamkhawulo emalini angayenza ku-TSP. Ngesikhathi uhlelo luqala ukutholakala kubasebenzi base-2000, bebengakwazi ukunikela kuphela kumaphesenti angu-5 enzuzo yabo. Manje umkhawulo owodwa yi-Internal Revenue Services engu-$ 15,000 umkhawulo wonyaka ngomnikelo onikeziwe kuma-akhawunti aphelelwe intela.
Amasosha asele aphethe imingcele ehlukile ku-TSP. Ngenxa yokuthi imali yabo engenayo iyakhokhwa intela futhi i-IRS inomkhawulo ohlukile waleso sigaba, ingaba negalelo elifinyelela ku-$ 44,000 ngonyaka, ngokusho kukaJohnson.
Njengenye inzuzo kubasebenzi, i-Army ihlola uhlelo lapho insizakalo ihambisana neminikelo yamasosha ku-TSP, kusho uJohnson. Lolu hlelo lusebenza kuphela kubantu abasha abazogcwalisa izici ezibucayi . I-Army izofana namaphesenti angu-5 okukhokhela isosha lifaka i-TSP; Amaphesenti amathathu okuqala azolingana nedola le dollar, kanti amaphesenti amabili alandelayo afanelana namashumi angu-50 kudola, usho kanje.
Ngisho namabutho asebenze okwesikhashana futhi azothola iminikelo, uTSP ungumqondo omuhle, kusho uJohnson. Inzuzo enkulu yaloluhlelo yukuthi izindleko ezise-akhawunti ziphansi kakhulu-cishe ingxenye eyodwa kweyeshumi yezimali ezizimele ezizimele zangasese. Imali esezimboni ezizimele ingasetshenziselwa ukuphatha isikhwama, ukuthenga amasheya nokukhokhela ezinye izimali kuya ngqo kumasevisi asezingeni eliphansi e-TSP, usho kanje.
Uzoba nzima ukushaya iTSP, usho kanje.
I-TSP ayifani ne-akhawunti yokulondoloza, futhi imali eyanikele kuyo kufanele ibe yimali abantu abangayidingi maduzane. Kodwa-ke, i-TSP inehlelo lokubolekisa ngezimo ezinjengokuthengwa kokuqala ekhaya, lapho abahlanganyeli bengakhokhisa imali kwi-akhawunti yabo bese beyibuyisela emakethe inzalo.
Ngemuva kokushiya amasosha, abakwa-servicemembers abakwazi ukuqhubeka befaka isandla ku-TSP ngaphandle kokuthi bathathe umsebenzi wesifundazwe. Bangashiya imali yabo ku-TSP, noma kunjalo, futhi baqhubeke bedweba izinzuzo kulo. Imali ku-TSP ingabuye ihanjiswe kwenye i-akhawunti ye-IRA.
Abasebenzi bangabhalisela i-TSP ku-inthanethi ku-www.tsp.gov. IWebhu inikeza wonke amathuluzi amathuluzi adinga ukuqala ohlelweni futhi aphathe ama-akhawunti abo.
Ukwaziswa Okuphezulu Kwamalungelo Omnyango Wezokuvikela