Purogiramu Yakachengetedza Kuponesa ipurogiramu yekuchengetedza basa rekuchengetedza mari kune nhengo dzemasoja uye vashandi vehurumende vehurumende. TSP inotambirwa nekodzero yemutero, iyo inoreva kuti mari yakabhadharwa kubhengi inodzingwa pakarepo kubva kune vanhu vanobhadhara mari inoshandiswa, uye mari iri muhomwe haina kubhadharwa kusvikira yarega kubhadhara, kazhinji mushure memakore 59 1/2, iyo inonyanya kukohwa mutero.
Maererano neArmed Maj.
John Johnson, kutungamirirwa kweHARM Forces Tax Council, mamwe mahofisi anoda kushandiswa kweTrft Savings Plan, nokuti iyo inofadza kushandiswa kwekutsvaga ine ruzivo rwakasiyana rwemauto ehondo.
Zvechokwadi kuroora kufanana nekuona kuti kuwedzera kwekutora kunokwira, nokuti iyo inobatsira zvikuru, Johnson akati mune imwe hurukuro neAmerican Forces Press Service. Zvakakosha kuti munhu wese ari pachena ave achiponesa pamusana pokurasikirwa kwake pakutanga, uye kana iwe uchienda kuzoponesa, nzvimbo yekutanga yaunoda kuiisa iri mumatarenda akaregererwa mutero kana kuregererwa kwemitero.
Iye zvino TSP inotora chikamu kubva kune imwe hafu yehondo.
Kana iwe usati uri muTSP kana imwe nhoroondo yakabhadhara mutero, gore roga roga, mari inowanikwa muhomwe iyoyo (yaizotora) inotora mutero, akadaro. Kana iwe ukatarisa pamusoro pemakore ako ose emakore makumi mana, kazhinji uchitaura, iwe uenda kunotora mazana maviri emadhora madhora nekupa kune imwe yeruzhinji-yakaremberedzwa nenyaya kunze kwetaiti yakabhadhara.
Sezvo gore rino, nhengo dzehondo dzisingagumi mumari yavanokwanisa kupa TSP. Purogiramu yacho payakatanga kuwanika kune vashumiri muna 2000, vaigona kupa zvikamu zvishanu kusvika kune zvishanu zvemari yavo. Iye zvino muganhu wega ndiwo Internal Revenue Services $ 15,000 pamwaka wegore-rose pamipiro yemabhengi akaremberedzwa.
Mauto akaendeswa ane miganhu yakasiyana muTSP. Nemhaka yekuti mari yavo inobhadhara mitero-uye iyo IRS ine muganhu wakasiyana wechikamu ichocho, inogona kupa chikamu kusvika ku $ 44,000 pagore, maererano naJohnson.
Sezvimwe rubatsiro kune vashumiri, Army iri kuedza purogiramu iyo basa rinofananidza zvipo zvevarwi kuTSP, Johnson akati. Iyi purogiramu inoshanda chete kune vatsva vatsva vanozadza zvikwereti zvakakosha . Hondo ichafananidza 5 kubva muzana yebhadharo musoja anopa TSP; yekutanga 3 muzana ichaenzaniswa nemadhora emadhora, uye inotevera 2 muzana inokwana makumi mashanu emadhora, akadaro.
Kunyange kune mauto akange ari mune imwe nguva uye vasati vabhadhara zvipo zvavo, TSP inyaya yakanaka, Johnson vakati. Chimwe chikomborero chikuru chepurogiramu ndechokuti mari yezvekambani yakaderera zvikuru-inenge chegumi chevheji yega yega mutual fund. Mari iyo iri muga yega inogona kushandiswa kutarisira chikwereti, kutenga mabhizimusi uye kubhadhara mamwe mari inosvika kune imwecheteyo kumashandiro epasi muTSP, akadaro.
Unenge wakaomerwa nekurova TSP, akati.
TSP haina kufanana neakaunti yekuchengetedza, uye mari yakabatanidzwa nayo inofanira kuva mari iyo vanhu vanga vasati vava kuda munguva pfupi. Zvisinei, TSP ine chirongwa chekukweretesa kune mamiriro ezvinhu akadai sokutanga kutenga imba, apo vatori vechikamu vanogona kukwereta mari kubva kune avo pachavo uye vozobhadhara pamusika wekutengesa.
Mushure mokusiya mauto, vashumiri havagoni kupfuurira kugovera kuTSP kunze kwekuti vatora basa rehurumende. Vanogona kusiya mari yavo muTSP, kunyange zvakadaro, uye vanoramba vachikwanisa kudzorera kudzoka pairi. Mari iri muTSP inogonawo kuendeswa pane imwe nhoroondo yeIRA.
Vashumiri vanogona kusayina TSP paIndaneti pawww.tsp.gov. Nzvimbo yepaIndaneti inopa zvese zvishandiso zvemauto zvinotanga kutanga purogiramu uye kutarisira maakare avo.
Above Information Courtesy yeDhipatimendi Rekudzivirira