Kubasebenzi abaningi base-federal, i- Thrift Savings Plan ingxenye yesithathu yesithombe sabo somhlalaphansi. Uhlelo lwe-Thrift Savings, i-annuity encane, ne-Social Security yakha izingxenye ze- Federal Employees Retirement System System .
Uhlelo lwe-Thrift Savings luwukuphela kwezinto ezintathu ezisebenzisayo ezisebenzayo. Abasebenzi baseSifunda ngaphansi koMnyango WezeMhlalaphansi Wezenhlalakahle kanye nabasebenzi bezempi bangase babambe iqhaza, kodwa abatholi izinzuzo ezifanayo ngaphakathi kohlelo abalandeli abenzayo.
Ukusebenzisa i-Akhawunti Yakho Yokulondoloza I-Thrift kudinga amasu ambalwa alula.
01 Qinisekisa ukuthi uhlelo lweThft Savings Plan kufanele ubeke imali yakho.
Lolu hlelo luba nezinketho ezilinganiselwe zokutshala izimali , ngakho abanye abatshalizimali bangase bafune ukubeka imali yabo kwenye indawo. Lolu hlelo aluvumeli abahlanganyeli ukuba batshale izimali ezitokisini ngabanye noma ezinye izimali ezithengiswa esidlangalaleni. Izinketho zabahlanganyeli zikhawulelwe kumasheya amancane emikhakha kanye nemali yokuphila kwemali.
02 Banikeza okuningi ngangokunokwenzeka.
Uma usuqedile uhlelo lwe-Thrift Savings Plan indlela yakho eyinhloko yokubeka imali ukuze uthathe umhlalaphansi, inikeze okuningi ngangokunokwenzeka. Uma unganikeli okwanele ukuze ufinyelele umkhawulo lapho uhulumeni wesifunda afana neminikelo yakho, ulahlekelwa imali.
Ingqikithi ongayenza phakathi nonyaka inqunywe yi-Internal Revenue Service. Iminyaka eminingi, inani landa kancane ngenani elibekwe unyaka odlule. Kunezinhlinzeko zeminyaka yobudala ezivumela i-cap ephakeme. Bheka iHhovisi lezokuPhathwa kwabasebenzi ukuze ubone ukuthi yimiphi imingcele esebenza kuwe.
03 Cabanga ngenketho yeRoth.
Inketho ye-Roth yafakwa ngoMeyi 7, 2012, futhi ivumela abahlanganyeli be-Thrift Savings ukuba banikeze imali kuma-akhawunti abo ngemuva kokukhokhwa intela yokukhokha. Iminikelo yendabuko yenziwe ngaphambi kwentela. Abantu bangabamba iqhaza ngaphansi kokubili amaRoth nezinketho zendabuko.
Abantu kufanele bahlole izimo zabo zentela ukuze banqume ukuthi ngabe i-Roth inketho iba nengqondo kubo. Uma ulindele ukuthi izinga lakho lentela liphakeme manje kunomhlalaphansi, khetha iminikelo yendabuko. Uma ulindele ukuthi izinga lakho lentela libe liphakeme emhlalaphansi kunanamuhla, khetha inketho yeRoth. Uchwepheshe wezentela oqeqeshiwe angakusiza wenze lokhu kuzimisela futhi akutshele ukuthi kunezinye izici okufanele uzicabangele.
04 Musa ukuhoxisa ekuqaleni.
Abahlanganyeli bavunyelwe ukuhoxisa imali ngaphansi kwezimo ezithile. Imalimboleko nayo ivunyelwe; Kodwa-ke, abahlanganyeli kufanele baqede zonke ezinye izinketho ngaphambi kokukhipha isikweletu seTrift Savings Plan. Ukuboleka kwe-akhawunti yakho ye-Thrift Savings Plan kubaluleke kakhulu ekubolekeni esikhathini esizayo ngoba ubeka inzalo eyothola imali ebolekiwe.
05 Gcina ngokwemibandela yakho.
Ukuhlelwa komhlalaphansi kumele kufane nokulondolozwa komuntu ngamunye ngomhlalaphansi. Isu lakho lokutshalwa kwezimali akudingeki ukuba lifane nomuntu amathathu cubicles phansi komgwaqo. Qinisekisa ukuthi izinhlelo zakho zokuthatha umhlalaphansi zifanane nawe, futhi uma isimo sakho sezezimali sishintsha, lungisa isimo sakho sokuthatha umhlalaphansi uma kudingeka.
06 Qapha izimali zakho.
Abahlanganyeli beThft Savings Plan bathola izitatimende zekota kanye nezonyaka. Kubantu abaningi ezimweni eziningi, lezi zitatimende kufanele zinikeze ulwazi oluthe xaxa ukuze luhlale phezu kwezimali zakho. Izitshalomali zesikhathi eside ngokuvamile azidingi ukuqapha okuqhubeka njalo.
Inothi lomhloli: Okuqukethwe kwalesi sihloko kungenxa yokwaziswa kuphela. Lesi sihloko asihloselwe ukunikeza iseluleko noma iseluleko sokutshala izimali. Xhumana nochwepheshe oqeqeshiwe ukuze uthole intela noma iseluleko sokutshala izimali.