Sezvo chirongwa cheTrift Savings chakatarisirwa kuwana mari yekutsvaga mari yekurega basa, vashandi vehurumende vanofanirwa kusiya mari yavo muchirongwa kusvikira vasara.
Zvisinei, US Office Of Personnel Management inobvumira vashandi vehurumende kuti vabvise mari vasati vasiya basa mushure mezvirongwa zvezvirongwa. OPM inotungamirira chirongwa cheTrift Savings.
Imwe nzira yekubvisa mari kubva kuTrans Savings Plan ndiyo chikwereti. Mhando mbiri dzeTrift Savings Plan zvikwereti zvinowanzo chinangwa zvikwereti uye zvikwereti zvekutenga kana kuvakwa kwekugara kwekutanga.
Kunyange zvazvo kune zvakakosha uye zvisingabatsiri kutora chikwereti cheTrift Savings Plan, zvisingabatsiri zvakanyanya kudarika zvakanakira kusvika zvakadai zvokuti OPM inokurudzira vashandi vehurumende kubhadhara zvimwe zvikwereti zvemari chikwereti vasati vatora kubva kuTrift Savings Plan account. Izvo zvakati, zvakataurwa pasi apa ndezvakanaka uye zvakanakira kutora chikwereti cheThft Savings Plan.
Pros
Izvo zvakakosha zvekutora chikwereti cheThft Savings Plan ndeichi:
- Nhamba-yakaderera yekutambira: Inhara yekutambira paThrift Savings Plan chikwereti yakangofanana neyero yekudzoka paG G Fund. Iri mari ndeimwe yemari inowanika kuti iite mari kuburikidza neTrift Savings Plan. Inoumbwa nehupfumi hurumende. G G Fund uye imwe mari yeTrift Savings Plan inoshandiswa pakugadzira kusanganiswa kwekutsvaga kwekutsvaga kwemazuva ekutsiva mari inowanika kuronga vatori vechikamu. G G Fund inowanzova nehuwandu hwekudzoka kwepasi pe2%. Mutengo wakashandiswa kubhadhara chikwereti i G Gwaro rekubhadhara zuva iro chikwereti chakabviswa.
- Mhando dzakasiyana-siyana dzezvikwereti zvinokodzera: Kunze kwekuti une mari munhoroondo yako, unogona kukwereta pakati pe $ 1,000 ne $ 50,000. IWebrift Savings Plan website ine chikwereti chekukwereta chaunogona kushandisa kuti uenzanise mari yako yekubhadhara chikwereti.
- Kubhadhara kuburikidza nemari yakabhadharwa: Kubva pane maonero ekugadzirisa, Thrift Savings Plan chikwereti zviri nyore kudzorera. Mitsara inoshandiswa nemari yekubhadhara.
- Kugona kubhadhara zvikwereti panguva ipi zvayo: Kana uchida kubhadhara chikwereti chako, iwe unogona kuzviita nechikwata chekubhadhara chikwereti chinowanika pawebsite yeurongwa. Chikwangwani chinobatsira kusimbisa kuti kubhadhara kwako kunoshandiswa kune chikwereti chako. Kana iwe uchibhadhara mamwe mazano mumakore okutanga ekukweretesa kwako, iwe unogona kubhadhara chikwereti kubva kare kana kuti kuchitorazve chikwereti kuti uite mari shoma.
Cons
Izvo zvisina kunaka zvekutora chikwereti cheThft Savings Plan ndeichi:
- Kushandisa kushandiswa kwemari: A $ 50 mari yekugadzirisa inoshandiswa kune chikwereti chimwe nechimwe. Iyo yakabviswa kubva pamari yaunogamuchira paunotora chikwereti.
- Kurasa kunze kwekuwana mari: Ichi ndicho chinonyanya kukosha kutora chikwereti cheTrift Savings Plan. Iwe unowanzobhadhara kubva mune ramangwana rako pachako paunotora chikwereti. Paunenge wabvisa mari kubva kuThrift Savings Plan account, iwe unorega kukura kwekutsvaga iwe wawakagamuchira. Pamusoro peiyo, iwe unofanirwa kubhadhara mari yako nemari.
- Kudzokorora kwemazuva 90 kana iwe uchibva mubasa rehurumende: Kana ukasiya basa rehurumende paunenge uine chikwereti cheThft Savings Plan chaiyo, unofanira kuchiripa mumazuva makumi mapfumbamwe. Kana zvisina kudaro, mari yakakosha ichazoendeswa kuInternal Revenue Service semari inowanikwa.
- Mhemberero dzenguva duku yekubhadhara: Nguva dzezvikwereti ndezvishoma. Zvikwereti zvinowanzodiwa zvikwereti zvinofanira kubhadharwa mukati memakore mashanu. Dzimba dzekubhadhara dzinofanira kubhadharwa mukati memakore gumi nemashanu.
Zvakakosha kudzokorora zvakare kuti OPM inokurudzira kubhadhara zvimwe zvikwereti zvose musati watora chikwereti kubva kuTurft Savings Plan account.