Kune vazhinji vashandi vehurumende, Hurongwa hweTrift Savings ndiwe chetatu chekutorera kwavo mufananidzo. Sangano Rinochengetedza Rokuchengetedza, rudiki rwegore, uye Social Security rinoumba zvikamu zveState Employees Retirement System .
Purogiramu Yakawanda Yokuponesa ndiyo chete yezvinhu zvitatu izvo vashandi vehurumende vane simba guru pamusoro pavo. Vashandi vehurumende vari pasi peChristi Service Retirement System uye vashandi vehondo vanogonawo kubatanidzwa, asi havagamuchiri zvibvumirano zvakafanana mukati meurongwa hunofanirwa nevashandi.
Kuita zvakanyanya kweAunti yako yeTrift Savings kunoda maitiro mashomanana akaoma.
01 Iva nechokwadi chokuti Plan Thrift Savings ndiko kwaunofanira kuisa mari yako.
Chirongwa chacho chine zvishoma zvingasarudzwa zvekutsvaga , saka vamwe varimi vangada kuisa mari yavo kune imwe nzvimbo. Chirongwa hachibvumiri vatori vechikamu kuti vashandise mune zvimedu zvezvikwata kana zvimwe zvikwereti zvinotengeswa pachena. Kusarudzwa kwevatori vechikamu kunongopedzisira kune mari shoma yemunyika uye mari yeupenyu.
02 Itai zvakawanda sezvinobvira.
Kana ukasarudza Plan Thrift Savings ndiyo nzira yako yekutanga yekuisa mari kurega kubhadhara mari, ipa zvakawanda sezvaunogona kutenga. Kana iwe usingakwanisi kupa zvakakwana kuti usvike kumiganhu iyo hurumende yehurumende inosangana nemipiro yako, uri kukandira mari kure.
Nhamba yose yaunogona kupa mukati megore inopera neInternal Revenue Service. Makore mazhinji, mari yacho inowedzera zvishoma pamusoro pemari yakatarwa gore rapfuura. Iko kunewo zvizvarwa zvezvakagadzirirwa izvo zvinobvumira kapu yakakwirira. Taura neHhovisi yeVashandi Kuti uone kuti ndezvipi zvinogumira kwauri.
03 Funga nezvesarudzo yeRoth.
Iro Roth sarudzo yakaiswa panzvimbo yaMay 7, 2012, uye inobvumira vatori vechikamu cheThreat Savings kuti vape mari kumabhuku avo mushure mekubhadhara mitero yemitero yakabhadharwa. Mipiro yemagariro inoitwa musati mitero. Vanhu vanogona kugovera pasi pese paRoth nemasarudzo ezvetsika.
Vanhu vanofanirwa kuongorora mamiriro avo emitero kuti vaone kana iri Roth chisarudzo kwavari. Kana iwe unotarisira kuti mutero wako wepamusoro uwedzere ikozvino kupfuura mukurashira, sarudza michero yemitambo. Kana iwe unotarisira kuti mutero wako wepamusoro uwedzere pakupedza basa kupfuura iye zvino, sarudza sarudzo yeRoth. Unyanzvi wemutero akakodzera anogona kukubatsira kuita izvi nekukuudza kana pane zvimwe zvinhu zvaunofanira kufunga.
04 Usarega kutanga.
Vabatanidzwa vanobvumirwa kubvisa mari mune mamwe mamiriro ezvinhu. Maripo inobvumidzwa zvakare; kunyange zvakadaro, vatori vechikamu vanofanira kupedza zvose zvingasarudzwa vasati vatora chikwereti cheTrift Savings Plan. Kubhadhara kubva kuTrft Savings Plan account yako inokwereta kubva mune ramangwana rako nokuti iwe unofanirwa kubhadhara mari yakakweretwa.
05 Ita maererano nemamiriro ako ezvinhu.
Kuronga basa rekushandira mari kunofanirwa kuenzaniswa kune munhu mumwe nomumwe anoponesa kubhadhara. Mari yako yekutsvaga mari haifaniri kunge yakangofanana nemunhu munhu mashekeri matatu pasi pomugwagwa. Iva nechokwadi chokuti zvirongwa zvako zvekurega basa zvakakwane iwe, uye kana mamiriro ako emari achichinja, gadzirisa zvirongwa zvako zvekurega basa kana zvichidiwa.
06 Chengeta mari yako.
Thrift Savings Plan varambi vanogamuchira zvinyorwa zvegore negore. Kune vanhu vakawanda mumamiriro akawanda, mazwi aya anofanira kupa ruzivo rukuru kuti urambe uri pamusoro pekutsvaga kwako. Nguva yakareba masimiro ekutengeswa kazhinji haafaniri kudiwa kakawanda kuongororwa.
Expert's Note: Zvinyorwa zvenyaya ino ndezvenzira yekuziva chete. Ichi chinyorwa hachina kuitirwa kupa mutero kana mazano ekutsvaga mari. Tsvaga mudzidzisi ane unyanzvi kune mutero kana mazano ekutsvaga mari.