Chii Chinosiyana pakati peFERS ne CSRS?

CSRS iri kupedzwa

Hurumende yeUnited States inotsigira maitiro maviri ekurasikirwa kwevashandi vavo- Federal Federal Retirement Retirement System uye Civil Service Retirement System. Mishonga yokurega basa inowanzoonekwa pazvikamu zvose zvehurumende. Vashandi, uye kazhinji vashandisi pamwe chete, vanopa mari kune mari yevashandi, uye vanotsvaga mari vanogadzirisa mari yemwedzi kubva kune imwe nzira.

Pane zvakawanda zvakasiyana zvakasiyana pakati pemasangano maviri ekurasikirwa kwevashandi vehurumende vehurumende.

Ndiani Anokodzera?

Vose vashandi vehurumende vaiva nechisarudzo chekushandura kubva ku CSRS kuenda kuFERS apo FERS yakasikwa muna 1987. Zvino, vese vashandi vehurumende vanongonyoresa kuFERS uye havana sarudzo yekusarudza CSRS panzvimbo. CSRS inowanikwa chete kune vashandi vehurumende vakanga vari muurongwa husati hwa1979 uye vakasarudza kuramba vari ne CSRS panzvimbo yekutsvaga kuFERS.

One Component Vs. Zvikamu Zvitatu

CSRS yakatanga musi waJanuary 1, 1920 uye inoronga hurongwa hwepensheni yakafanana neyaisimbiswa panguva imwecheteyo pakati pevashandi vevashandi nemakambani makuru. Vashandi vakapa chimwe chikamu chemari yavo. Vaitarisira kusununguka pavakapedza basa rekuita zvakakwana kuti varambe vaine mararamiro ehupenyu hwakafanana neavo vakawana mumakore avo ekushanda.

FERS yakatanga musi waJanuary 1, 1987 uye inofanirwa kuti ibudirire CSRS apo CSRS vabatsiri vakafa. Panzvimbo pekuita purogiramu chete yepenjeni, FERS mushandi wepensheni, chirongwa chekuchengeta mari , uye Social Security kuti atore mari yake yokurega basa.

Urongwa hwekuchengetedza hwakanaka hwakafanana ne 401 (k).

Kukura kweAinuity Payments

Nokuti FERS ine zvikamu zvitatu, izvi zvikamu zvinopa retirees mari shoma imwe neimwe. Mari yekubhadhara mari ye CSRS yakagadziriswa yakagadzirirwa kuva inowanikwa chete, asi FERS vakagara mubhadharo vane annuity, hurongwa hwekuchengeta mari, uye Social Security inobatsira.

Thrift Savings Plan Mitemo

Hurumende yeUnited States inopa chikamu chakaenzana ne1 muzana yega ega FERS mupiro wevashandi kune imwe neimwe yenyaya dzavo dzakachengetedza mari. VANHU vanogona kupa zvakawanda, uye hurumende yeUnited States ichafananidza zvipo izvi kusvika kune imwe nzvimbo yezana.

Vashandi ve CSRS vanogona kutora chikamu muchirongwa chekuchengeta mari, asi havagamuchiri mari yakawedzerwa kubva kune hurumende yehurumende nokuti VANHU VANHU vanoda chikamu chekutanga kuti vawane mukana wakaenzana kune vakashandira CSRS.

Kuchengetedzwa Kwevanhu Munharaunda Kubatanidzwa

Vashandi ve CSRS havabatanidzi mu Social Security. Ita vashandi vakaita seimwe chezvinhu zvitatu zvezvirongwa zvekurega basa.

Nhamba Yakatorwa Kubhadhara

Vashandi ve CSRS vanopa pakati pe7 ne9 muzana yemisha yavo yehurongwa. VANHU VANHU VANOPA VANHU VANOPA VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU Isocial Security tax rate, iyo inonziwo Old Age, Vanoponeswa neUnishuwarenzi yeHumaleta kana OASDI, inokwana 5.3 muzana. VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU VANHU V

Pakutanga Kupera Kwemakore

Vashandi ve CSRS vanogona kurega sevasina makore makumi mashanu nemashanu.

BATSIRA VASHANDI VAKO VAKANGA VANHU VAKANGA VANHU PASI kana mushure me1970 vanogona kurega sevasina makore 57. Vashandi vekare VAKABUDA vanogona kupedza basa zvishoma zvishoma zvichienderana nevanotanga basa ravo.