豁免雇员的退休选择

TCRS混合退休计划

The Hybrid Retirement Plan is comprised of two valuable components: a defined benefit plan provided by the Tennessee Consolidated Retirement System (TCRS) and a 401(k) 授权退休提供的计划.

Your defined benefit plan - Tennessee Consolidated Retirement System (TCRS)

Recognized as one of the top performing defined benefit plans in the country, TCRS provides lifetime retirement, survivor and disability benefits for employees and their 受益人. After a five-year vesting period, an employee becomes eligible to receive a monthly benefit at retirement once the age requirement is met. 收益是计算出来的 按员工的工龄和工资计算. TCRS提供的好处是坚实的 为未来的退休生活打下基础.

Your 401(k)

The 401(k) plan lets you take control of your retirement by investing in fund options 由你选择. 你马上就被赋予了权利 the 401(k) and can decide how your money should be invested given your individual goals, 风险承受能力和时间表. The amount you receive from your 401(k) account in retirement is based on how much you 储蓄，加上你投资的累积收益.

• 401(k)计划亮点

Hybrid plan (for employees hired on or after July 1, 2014)

Your retirement is funded by contributions from both the State of Tennessee and you, the member. The State makes a contribution equal to 4% of your salary into TCRS and 向401(k)储蓄5%. You, the member, contribute 5% to TCRS and 2% to the 401(k) plan. Your contributions to the 401(k) plan may be made on a pre-tax or after tax (Roth) basis, meaning you can choose whether the money will be taxed now 或者退休后. The State of Tennessee provides a retirement plan that gives you an excellent start 迈向成功的财务未来.

混合型退休计划的供款
	雇主贡献	成员的贡献	总贡献
TCRS	4%	5%	9%
401(k)	5%	2%	7%
TOTAL	9%	7%	16%

Your member contributions to the 401(k) qualify for a $1 match for every $1 contributed to the State of Tennessee 401(k) plan each month, up to $100, for the fiscal year 从2023年7月1日开始，到2024年6月30日结束. 每人最多匹配100美元 每月捐款100元或以上! 现在登陆你的401(k)账户 RetireReadyTN.gov.

了解更多关于混合计划的信息.

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遗产计划(适用于2014年7月1日前入职的会员)

Members hired prior to July 1, 2014, are in the Legacy Plan, and are non-contributory 他们的固定收益(TCRS)计划. 会员还可以参加401(k)和 457 plans. Your member contributions to the 401(k) plan may be made on a pre-tax or after tax (Roth) basis, meaning you can choose whether the money will be taxed now 或者退休后. Your member contributions up to $100 to the 401(k) also qualify 每捐献1美元，每月匹配1美元.

了解更多关于遗产计划的信息.

 

To schedule a Retirement Counseling session as a TCRS member, please call the RetireReadyTN呼叫中心电话:(800)922-7772.