Dzidza Kuti Ungawana Sei Zvakanyanya Kubva muAunti yako yeTSP
Uyezve, nyika yevashandi-vanoita basa rekurega basa iri iri kuramba ichiwedzera kubva kune zvakarongwa zvirongwa zvekubatsira, kana izvo vanhu vazhinji vanoreva sepensheni, uye kune zvinorondedzerwa zvirongwa, sezvakaitwa 401 (k) .
Kunyange hurumende yehurumende iri kutevera hutsika yenyika yekushamwaridzana kubva kumapensheni emagariro kuti aise basa rekurega basa rekuchengetedza zvakawanda pamafudzi evashandi.
Nokuda kwechikonzero ichi, zvakakosha kudarika kare kune vashandi veBurumende kuti vanzwisise nzira yekuita nayo yakanyanya kubva muTSP nemari iri mairi.
Thrift Savings Plan Basics
Kana iwe uchiziva 401 (k) zvirongwa, iwe unoziva nheyo dzeTSP: Ndeyo mutero unobhadhara mari yekuchengetedza mari yakapiwa kuburikidza nemushandirwi, munyaya iyi, hurumende yehurumende. Saka vashandi vehurumende, kubva kuFBI vashandi, kune nhengo dze congress, kushanda nhengo dzeMasoja, Navy, Air Force, Marine Corps, uye Coast Guard vanogona kushandisa mukana weTSP.
Mipiro inobva pane imwe muzana yekubhadhara uye inogadzirwa kuburikidza nemari yekubhadhara uye inogona kunge isati yatererwa kana kuti mushure miteere (Roth). Izvo zvishoma muzana yezvipo zveTSP ndeye 1 muzana uye yakawanda ndeye 100 muzana.
Zvisinei, kune chipo chakakwana cheTSP mari inoshandiswa neInternal Revenue Code. Uyu muganhu we IRC wemipiro yeTSP ndeye $ 18,000. Chimwe chinhu kunze kwechipo ichi chikuru chiri nhengo dzebasa rechiuto munharaunda dzokurwisana. Muchiitiko ichi, mupiro wepamusoro uri $ 54,000.
Traditional vs Roth TSP
Kazhinji, kusati kwabhadhara mitero kunonyanya kukosha kune vanhu vanotarisira kunge vari pasi pebhadharo yemutero wekusungira mutero mukurega basa.
Izvi ndezvokuti kukanganisa (kubvisa kusvikira gare gare) mutero chinhu chakanaka nokuti unogona kudzivisa kubhadhara mitero yakakwirira ikozvino asi kuripa gare gare apo pamutengo wepamusoro.
Mipiro yeRoth inonzwisisika kune vanhu vanotarisira kuva muchengeti wepamusoro wemitero mumakore avo ekurega basa. Muchiitiko ichi, zvakanakisisa kuisa mari yekubhadhara mitero iye zvino pamutengo wakaderera uye usabhadhara mitero pazinga rakakwirira gare gare.
Hazvina mhosva kuti mipiro yacho inogadzirwa sei, iyo isati yabhadhara kana kuti inotora mutero, iyo inotengeswa mukati meTSP inokura mitero-inoderedzwa, iyo inoreva kuti vatori vechikamu muTSP havabhadhari mutero wemari pamutengo, zvikamu, kana kuti mari apo mari inogara iyo nhoroondo. Mitero yekare isati yakabhadharwa inobhadharwa painobviswa uye mushure mekubhadhara mitero haibhadharwi zvakare pakubviswa, kana mamwe mamiriro acho akasangana.
Nzira Yokunyora nayo TSP uye Nzira yekuwana nayo Account yako Online
Kunyora muTSP kunogona kuitwa nepepa fomu kana kunogona kuitwa paIndaneti pa mypay.dfas.mil/mypay. Kana iwe uri mushandi mutsva uye usina bhaari yangu yePayPay yakagadzwa, iwe unogona kuwana ruzivo pamusoro peTSP uye TSP inowanikwa paIndaneti pa tsp.gov. Izvi ndezvekuti vatori vechikamu vanogona kugadzira kambani kutevera kushanda kweTSP dzavo uye mari yeTSP, pamwe nekuita kushandiswa kwekutsvaga.
TSP Matching Funds
Kufanana nevakawanda 401 (k) zvirongwa, vatori vechikamu veTSP vanogona kugamuchira michero inofanirana pamwe nekuwedzera yavo. Mushandi wekushandisa zvinongonzwika: kana iwe uchipa mari, mushandi anoitawo saizvozvo. Iyo yakasangana yakasanganiswa yakaoma zvakanyanya asi ndeyechipo. Vashandi vehurumende vanowana rubatsiro rwekutsvaga kwe 1 muzana yemari. Kubva ipapo, mari inofananidzwa inogona kugamuchirwa pamipiro kusvika ku5 muzana yebhadharo. Hezvino ndiyo nzira iyo TSP inowirirana nayo yakashanda inoshanda sei:
- Kushandura 1% yemugove wechipatimendi
- Dollar-for-dollar mutsara pakutanga 3 muzana yemipiro yevashandi
- 50 masentimita emadhora ose pane 2% inotevera yezvipo zvevashandi
Kuti iite nyore kutarisana kweTSP musangano, mushandi wehurumende kana nhengo yebasa rechiuto inogona kuwedzera kukwikwidza kweTSP nekupa zvikamu zvishanu kubva muzana yebhadharo yavo.
Izvi zvichaita kuti pave nehuwandu hwemasvondo mashanu kubva kuhurumende. Nokudaro, kana iwe uchipa zvikamu zvishanu kubva muzana yemari yako, iwe unowana mamwe mazana mashanu muzana. Zvakare, chero bedzi vatori vechikwata cheTSP vasingasviki IRC ma $ 18,000 pagore, vanogona kupa zvikamu zvinopfuura 5 muzana zvebhadharo yavo. Semuenzaniso, kana iwe uchipa 10 muzana yemari yako, hurumende inowanikwa ne5 muzana ichaunza mupiro wako wegore negore ku 15 muzana, iyo ndiyo chinangwa chakanaka chekusvika kuti uwane hupenyu hwehutano hwekuchengetedza mari.
Nyaya yezvehondo: Hapana humwe mutambo weTSP wevashandi vebasa kuburikidza naDecember 31, 2017. Zvisinei, nhengo dzebasa dzinosarudza kupinda muBlue Blended Retirement System (BRS) muna 2018 dzichagamuchira mufananidzo wepamusoro uri pamusoro apa. Nhengo dzebasa dzisingasaruri ku BRS dzinogona kugovera TSP asi haigoni kutambira.
Kusarudza Mazano Akanakisisa eTSP Kwauri
Pano pane zvinyorwa zviviri zvaunofanira kuita paunyoresa muTSP uye zvirongwa zvakafanana zvekurega basa: 1) Iwe unoda kugovera zvakadini, uye 2) Iwe unoda sei kuisa mari yako.
TSP inopa mari yakawanda yekusarudza kubva:
- The G Fund : Iri mari inopa mari shomanana yeUnited States yeHurumende yehupfumi iyo inonyanya kubudiswa kune TSP uye ndiyo yakachengetedzwa yakawanda yakasarudzwa muurongwa. Hapana ngozi yekurasikirwa mukuru; kunyange zvakadaro mari yacho inopa nzira yekuwana chido chinogona kuramba ichiwedzera. G G Fund ndiyo inowanikwa muTSP, iyo inoreva kuti vatori vechikamu veTSP vachada kuenda kuTSP.gov kuti vachinje mari. Izvi zvakakosha nokuti mugove we 100 muzana kune G Fund ndeyekuchengetedza kune varairi vese.
- The F Fund : Iri mari inoshandisa mari uye inoda kutarisa Bharclays Capital US Aggregate Bond Index , iyo inosanganisira musungo wehurumende muUnited States Kunyange zvazvo zvisungo zviine mari yakachengeteka, ivo vane dambudziko guru, zvinoreva kuti tsika dzinogona kuderera , kunyange zvisingawanzoitiki. Vatengesi vanogona kutarisira kubuda kwepabhesi zvishoma munguva yakareba (makore akawanda kana kupfuura pavhareji) muF Fund.
- C C Fund : Iri mari inotengeswa mumatokari uye iS & P 500 Index fund , iyo inoreva kuti inonyatsotevedza Standard & Poors 500 Index , iyo yakawanda yemakorani index iyo inosvika mazana mashanu emakambani makuru eUnited States kuburikidza nemari yemari. IC Fund inokodzera kune vashandi venguva refu vanoshuva kuwana mishonga zvakanyanya mberi kwekuwedzera kwezvinhu uye vachida kuona kuchinja kwehuwandu hwebhuku.
- I S Fund : Iri mari inoshandisa zviduku-uye mid-cap-stocks kuburikidza nekutsinhira pasina Dow Jones US Completion Yese Stock Market Index, iyo inosanganisira mari yeUnited States kwete muS & P 500 index. Makambani maduku akave akatakura mungozi akawanda asi anokwanisa kubhadhara mitsara yakakwirira kufanananidzwa neS & P 500 index. Izvi zvinoreva kuti S S Fund yakakodzera kune vashandi venguva yakareba vane hurefu hwekutsungirira kwengozi .
- I I Fund : Iri mari inobhadhara mune zvisiri zveAmerica uye inoshandisa Morgan Stanley Capital International Europe, Australasia, Far East ( MSCI EAFE ) Index. Kuisa mari kune dzimwe nyika kune njodzi dzezvematongerwo enyika uye inowedzera mari kune yekutengeserana kwemisika inouya nekutengesa mari. Kunyange zvakadaro, kuwedzera zvikwata zvepasi rose kune imwe nzvimbo yepodfolio kunobatsira nekusiyana-siyana, izvo zvingava nemigumisiro yekuderedza dambudziko rose.
- I L Zvikwereti : Iyi mari ndeyemari yekufambisa upenyu kana izvo zvinonziwo chinangwa chekubhadhara mari . TSP inopa shanu dzakasiyana-siyana dzeMari: L Imari, L 2020, L 2030, L 2040 uye L 2050. Sezvo zita nemakore zvichiratidza, L Funds yakagadzirirwa kuisa mari yakakodzera kuvanhu vanoisa mari pedyo nechinangwa chekurega basa. I L Zvikwereti zvinoshandiswa zvepamutemo uye zvinosanganisira kugoverwa kweTSP G, F, C uye S Fund. Sezvo zuva rekutarisana richitsvaga, vatariri vemari vachaendesa mberi zvishoma nezvishoma mari yepamusoro yehupfumi yemari kune imwe nzvimbo inogadziriswa, iyo yakakodzera sevatengesi pedyo nekusunungurwa. Dzimwe nguva mari yekufambisa hupenyu inonzi "ita uye ikanganwe" mari nokuti mutengi anogona kusarudza mari imwe chete uye asingatombogadziri mari yavo pachavo kusvikira vasara.
Nenzira yakawanda, kunze kwekuti vashandisi vari kushandisa L Fund, zviri kuchenjera kuvaka chikwata chezvikwata zvinopfuura rimwe chete. Zvechokwadi, nokuda kwezvinangwa zvekusiyana, vamwe vashandi vanogona kusarudza kuisa zvimwe zvikamu zvezvinhu zvavo zveTSP muG, F, C, S uye I Funds.
Kuti uwane zvakawanda pamusoro pekuvakwa kwemapurisa, ona Sei Kuvaka Chikwereti cheMutual Funds .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.