Chifukwa ndondomeko yopulumutsa ndalama zowonjezera ndalama zimatengera ndalama zothandizira pantchito, ogwira ntchito ku federal akuyenera kusiya ndalama zawo mu ndondomekoyo mpaka atasiya ntchito.
Komabe, US Office of Personnel Management amavomereza antchito a federal kuti atenge ndalama asanachoke pantchito motsatira ndondomeko ya mapulani. OPM imapereka ndondomeko yopulumutsa ndalama.
Njira imodzi yochotsera ndalama ku Mapulani Odala Ndizo ngongole. Ndalama ziwiri za ngongole zowononga ndalama zowonjezera ndizolinga chachikulu cha ngongole ndi ngongole zogula kapena zomanga nyumba yoyamba.
Ngakhale kuti pali ubwino ndi zovuta kuti mutenge ngongole yowononga ndalama zowonjezera, zopwetekazo zikuposa ubwino wambiri kuti OPM ikulangize ogwira ntchito ku federal kuti athe kulipira ngongole zina zonse musanabwereke ku akaunti zawo za Thrift Savings Plan. Zimenezo, zanenedwa m'munsizi ndizopindulitsa ndi phindu la kutenga ngongole ya Thrift Savings Plan.
Zotsatira
Zopindulitsa zokhudzana ndi kulandira ngongole Yopulumutsira Mapulani ndi izi:
- Kuchuluka kwa chiwongoladzanja: Chiwongoladzanja cha chiwongoladzanja pa Thrift Savings Plan ngongole ndi chimodzimodzi ndi mlingo wobwerera ku G Fund. Ngongole iyi ndi imodzi mwa ndalama zomwe zilipo kuti zitha kugwiritsidwa ntchito kudzera mu Pulogalamu Yopulumutsira. Zapangidwa ndi mabungwe a boma. Ndalama za G ndi ndalama zina zowonetsera ndalama zogwiritsira ntchito zimagwiritsidwa ntchito poyambitsa kusakaniza malonda kwa ndalama za tsiku lomwe likupezeka kuti akonze gulu. G G Fund imakhala ndi mlingo wobwereza osachepera 2.0%. Mlingo wogwiritsira ntchito ngongole ndi G Gulu la ndalama pa tsiku limene ngongole imachotsedwa.
- Zolinga zamtundu uliwonse zovomerezeka: Ngati muli ndi ndalama mu akaunti yanu, mukhoza kukopa pakati pa $ 1,000 ndi $ 50,000. Webusaiti ya Thrift Savings Plan ili ndi wokugwiritsira ntchito ngongole yomwe mungagwiritse ntchito kuti muyese kulipira ngongole yanu.
- Kubwezeredwa kupyolera mu kuchotsedwa kwa malipiro: Kuchokera pamalingaliro okonzekera, Ngongole Zopulumutsira Zopindulitsa ziri zophweka kubwezera. Malipiro amapangidwa ndi kuchotsedwa kwa malipiro.
- Mphamvu yopeza malipiro owonjezera pa nthawi iliyonse: Ngati mukufuna kupereka malipiro owonjezera pa ngongole yanu, mungathe kuchita zimenezo ndi chikwama chobwezera ngongole chopezeka pa webusaiti yanu. Chotsulocho chimathandiza kutsimikizira kuti malipiro anu agwiritsidwa ntchito ku ngongole yanu. Ngati mutapereka malipiro owonjezereka m'zaka zoyambirira za ngongole yanu, mukhoza kulipira ngongole mwamsanga kapena kubwereranso ndalamazo kuti mupereke ndalama zochepa.
Wotsutsa
Mbali zolakwika za kutenga ndalama zowononga ndalama zowonongeka ndizo zotsatirazi:
- Malipiro ogwiritsira ntchito: A $ 50 ndalama yogwiritsira ntchito amagwiritsidwa ntchito pa ngongole iliyonse. Zimachotsedwa ku ndalama zomwe mumalandira mukatenga ngongole.
- Kuperewera kwapindula: Izi ndizovuta kwambiri kuti mutenge ngongole ya Thrift Savings Plan. Mukulipira ngongole yanu pomwe mutenga ngongole. Pamene muchotsa ndalama ku akaunti yanu ya Thrift Savings Plan, mukulepheretsa kukula kwachuma chomwe mukanalandira. Pamwamba pa izo, muyenera kubweza ndalama zanu ndi chidwi.
- Kubwezeredwa kwa masiku 90 ngati mutasiya utumiki wa federal: Ngati mutasiya utumiki wa federal pamene muli ndi ngongole yachangu yopereka ndalama, muyenera kulipira masiku 90. Kupanda kutero, ndalama zochuluka zidzafotokozedwa ku Internal Revenue Service ngati ndalama.
- Mawu a ngongole yaifupi: Nthawi ya ngongole ndi yochepa. Ngongole yayikulu imayenera kubwezeredwa mkati mwa zaka zisanu. Chiwongoladzanja chokwanira chiyenera kubwezedwa mkati mwa zaka 15.
Ndikofunika kubwereza kuti OPM imalimbikitsa kuthetsa zokopa zina zonse musanatenge ngongole ku akaunti ya Thrift Savings Plan.