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Smart Savings Act
The Smart Savings Act () is a bill that would make the default investment in the Thrift Savings Plan (TSP) an age-appropriate target date asset allocation investment fund (L Fund) instead of the Government Securities Investment Fund (G Fund).〔
The bill was introduced into the United States House of Representatives during the 113th United States Congress. A similar bill, , was introduced into the United States Senate.〔(【引用サイトリンク】url=https://beta.congress.gov/bill/113th-congress/house-bill/4193/related-bills )〕
==Background==
Federal workers are automatically enrolled in the G Fund when they sign up, a fund that "is very safe," it is simultaneously "widely viewed by investment professionals as an overly conservative investment, particularly for younger workers, and can leave many unprepared for retirement."
Since August 2010, the Thrift Savings Plan has automatically enrolled all new federal employees to put 3% of their basic pay in the G Fund, unless the employee opted out. Employees get a match of 3% plus a 1% contribution from whatever agency they work at.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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