Mipiro yeHurongwa hweKuponesa Kuponesa yakakosha, asi inogona kukuwana iwe kusvika ikozvino. Chinokosha pakukura iyi mari kurikurima.
Nzira mbiri dzekutsvaga
Thrift Savings Plan vatori vechikamu vane zvinhu zviviri zvekutsvaga mari. Nzira yekutanga ndeyekuisa mari muHomeececcle Funds kana L Funds. Mari idzi dzinoshanda sekutora mari yekutora mari inopiwa nemakambani ekutengesa. Chechipiri chisarudzo ndechokuisa mari mumunhu mumwe nomumwe anoshandiswa kuumba L Fund. Vatori vechikamu vanogona kushandisa chero kana nzira mbiri.
L Mari
L Zvikwereti zvinotumidzwa neyo gore rinoshandiswa nevashambadziri kuti vanotanga kutora mari kubva kuThrift Savings Plan account. Gore rino harisi iro gore iro mushandi acharega basa; zvisinei, gore rekusasiya uye gore apo mushandi anotanga kubvisa mari inowanzofanana. Mamiriro ega ega anogona kumanikidzira chirongwa chekugovera mari kubva kwenguva refu.
Vatori vechikamu vanosarudza kuisa mari muL Fund kuti zvive nyore. Vashandi vehurumende vangave vasina nguva, ruzivo kana chido chekutarisira mari yavo yeTrift Savings Plan kuburikidza nemari yekuzviisa. L Maridziro inobvumira mushandi kuti aite chisarudzo chimwechete - apo vanotarisira kutanga kutora mari - uye regai mari iite zvese.
Uchitevera hutano hwekugadza mazano, mutyairi wechidiki anofanira kunge achida kutora njodzi yakawanda kudarika mutyairi wekare. Mudhauri wechidiki ane nguva yakawanda yekukwira kunze kwepamusoro uye pasi pekutsvaga mari. Kusanganiswa kwezvikwereti mukati meMari Mari kunoshandiswa pane nguva yekuve yakanyatsochengetedza sezvo gore remari riri kusvika. Imwe nzira yakanyatsochengetedza inoshandisa njodzi shomanana asi inowanikwa mari shoma.
Iko kune mairi mashanu E Zvikwereti zvinowanikwa kuTrift Plan Vakapinda:
- L 2050
- L 2040
- L 2030
- L 2020
- L Kuwana
I Inc Income Fund ndeyevatori vezvirongwa vari kutotora mari kana kutarisira pakati pegore rino ne2014. Vashandirwi vehurumende vanofunga kutanga kutora mari mukati memakore gumi vanofanirwa kusarudza kana vachida kubvisa munguva pfupi kana kupfuura gore rakasarudzwa uye inodyara maererano. Sezvo nguva ichienderera mberi, mamwe masangano L achagadzirwa kuti atsive avo avo vakave vasina nguva.
Individual Fund
Kana varonga vatori vechidiki vachida kuchengetedza mabhuku avo zvakanyanya, vanozopfuura muL L Fund uye vagoisa mari yavo mumari yavo pachavo. Kunyange zvazvo mari yeL inenge isinganyanyi kuisa nguva yakawanda, vatori vechikamu vanoisa mari mumunhu mumwe nomumwe vanofanira kuchengetedza ngozi yakawanda yavanenge vachida kuvhiringidza kwenguva yakareba. Mari iyi ndiyo inosanganisira kusanganiswa kwemari mukati meMari.
Iko kune mavhodhi mashanu evanhu vaTrift Savings Plan vatori vechikamu:
Hurumende Securities Investment (G) Fund
Iri mari inobatsira chete muhupfumi hweSouth Treasury. Makomborero akafanana neaya ehupfumi hweHarare. Hapana ngozi yekurasikirwa mukuru.
Kazhinji Stock Index Investment (C) Fund
Iyi fund inofananidza Standard & Poor's 500 (S & P 500). Nhamba dzinouya kubva pakati pemakambani makuru eSouth.
Fixed Income Index Investment (F) Fund
Iri mari inofananidza neBarclays Capital US Aggregate Bond Index. Izvo zvisungo zviri muchikwama ichi zvinobva kunzvimbo dzakasiyana-siyana dzebhizimisi rechibvumirano.
Small Capitalization Stock Index (S) Fund
Iri mari inofananidzira Dow Jones US Kuzadzikisa Total Stock Market (TSM) Index. Izvo zvinowedzera kuwedzera kune mamwe mari asi inopa hukuru hwekuwana mari.
International Stock Index Investment (I) Mari
Iri mari inofananidzira Morgan Stanley Capital International EAFE Stock Index.
Inokubvumira kuisa mari mumakambani makuru munyika dzakabudirira.
Mutungamiri Wecherechedzo: Zviri muhurukuro ino ndezvenzira yekuziva chete. Ichi chinyorwa hachifananidzi kupa kupa mazano emari. Ongorora nyanzvi yezvemari yekudzidzira mazano ekutsvaga mari.