Kwete Zvose 529 Zvirongwa Zvakasikwa Zvakaenzana
529 zvirongwa ndezvorudzi rwekwereti-yakakosha iyo inowanikwa mari iyo iyo inowanzofungidzirwa imwe yenzira dzakanakisisa dzokuchengetedza kukoreji. Izvi zvirongwa zvinopa hurumende uye hurumende kubhadhara mitero uye zvigoneko zvekuwedzera kwemazuva, kana mari iyo inoshandiswa pamari yekudzidzira dzidzo.
Zvisinei, kwete zvirongwa zvese zvinokwana 529 zvakasikwa zvakaenzana, uye kunyange zvazvo nyika yose inopa zvirongwa zvavo 529, kusarudza mamiriro ako enyika ingasave iwe nguva dzose yakanyanya kunaka iwe.
Zvinowanikwa nevashambadzi vakawanda vangave vasingazivi, ndeyekuti unokwanisa kusarudza imwe hurongwa hwehurumende kana kusarudza kuti uende kuburikidza nemudzidzisi panzvimbo.
Asi zvakatarisana nezvizhinji zvezvisarudzo uye zvakaoma mitero uye zvipo zvekubhadhara, hazvisi nyore nguva dzose kusarudza hurongwa. Kuti ubatsire kutungamira chisarudzo chako, hezvino 8 dzezvinhu zvinokosha zvaunotarisa pakusarudza hurongwa 529.
1. Kubhadharwa neChikoro Savings Investment Plans
Apo patinotarisa mapurogiramu 529, pane chaizvoizvo shanduro mbiri dzakasiyana, zvirongwa zvekuponesa 529 uye 529 zvirongwa zvekubhadhara zvidzidzo. Izvo izvo zvose zvinonzi 529 zvinogona kukonzera kumwe kuvhiringidzika kwevabereki vanoyera zvavanokwanisa.
Muchikamu chino, tiri kutarisa 529 zvirongwa zvekuchengetedza, asi zvakakosha kuti tive nekuziva 529 zvirongwa zvekubhadhara zvikoro zvekubhadhara, kunyange zvazvo izvi zvichatsika mukuzivikanwa.
Zvigadziriswa zvepurogiramu dzekudzidzira zvikoro zvinokubvumira kuti uvhare mune zvinodiwa zvekudzidzira yekoroji mune--mamiriro, emakoroji ehurumende nemayunivhesiti. Zvichipa mutengo unoramba uripo wekudzidzira, izvi zvingava sarudzo inofadza, asi pane zvimwe zvisingakanganisi.
Yokutanga iyo iyo kana pane mukana wako mwana achaenda kune imwe yunivhesiti kana yega yega yunivhesiti, iwe ungangodaro usingaoni kukosha kwakakwana kwepari yako mari. Chimwe chinokanganisa ndechokuti zvirongwa zvekubhadhara zvinoshandiswa chete kune zvidzidzo uye mari, kwete zvimwe zvinoshandiswa semabhuku, nzvimbo uye bhodhi, kana zvigadzirwa zvemagetsi.
Vangadaro vangave vasina kukwanisa kuwedzera kukura uye kukosha kwezvirongwa zvekuchengetedza.
Zvigadziro zvekuchengetedza zvikoro muColley, kune rumwe rutivi, zviri kukura nokukurumidza mukuzivikanwa kwekushandura-hurongwa hwemari inogona kushandiswa pamhando dzakasiyana dzekudzidzira mari yekudzidzira uye mari haigoni kumamiriro ako epamba, uye inopa huripo hwemitero nekukura zvirongwa zvinogona kubhadharwa kare hazvigoni kufanana.
2. In-Inyika kana kunze kweNyika?
Chimwe chinhu chikuru chisingafungi vabereki vakawanda vane kuti vanofanira kunyora muhurongwa hwavo hwehurumende ye 529. Maererano neimwe chidzidzo , 80 muzana yevashandi ve 529 vakasarudza kuronga muhurumende yavo. Nepo dzimwe hurumende dzichipa mutero wemitero uye zvimwe zvakabatsiri, kwete vose vanoita, uye vazhinji vane mari yakakwirira iyo inogona kubvisa chero zvikomborero.
Iwe hausi wepurogiramu yako yenyika 529 plan-yakawanda inopa humwe sarudzo dzakasarudzwa, uye iwe wakasununguka kunyoresa mune imwe hurongwa hwehurumende kana kusarudza chirongwa-chirongwa-chakatengeswa.
3. Mitero
Kunyange zvazvo dzimwe nyika dzichipa mitero yakabviswa pamipiro yakaitwa kune imwe hurongwa hupi, 529 chete inopa chikwereti kana kuderedzwa kwezvipo zvakagadzirwa kumapurogiramu avo 529.
Iwe unoda kutsvaga mitemo yemamiriro ako ehurumende kuti uone kana kune chero ipi zvayo inobhadhara mitero yehurumende yehurumende 529, uye ingave zvikomborero zvinopfuura chero zvipingamupinyi, semari yepamusoro kana mari isingabhadhari mari.
4. Mari
Kana iwe uchida kuwedzera mari yako yekudzoka, zvakakosha kuenzanisa mari yezvirongwa zvaunofunga. Kune zviyero zvakasiyana zvakasiyana zvekuti zvirongwa zvingave zvichizviisa pasi, izvo zvinogona kuwedzera kudarika chero mari yekubhadhara mutero.
Zvimwe zvemari yekutsvaga zvinosanganisira:
- Mari yekuchengetedza mabhuku: Mamwe mapurogiramu anobhadhara mari iyi kana iyo yekodha ine chikero chiri pasi apa imwe chikumbaridzo, chekuti kana mutengi ari kugara kunze kwenyika. Zvisinei, zvirongwa zvizhinji hazvibhadhari mari iyi.
- Inyoresa kana mari yekushandisa: Mazano akawanda haaiti mari idzi, kunyange vamwe vachiita.
- Kutarisirwa mari: Zvimwe zvirongwa zvekubhadhara zvakasiyana-siyana zvakaderera kana kuti zvikamu zvepamusoro zvakabhadharwa zvekambani dzakachengetedzwa zvakasimba kana zvichibva kunekutsvaga mune imwe mari yemari.
- Mari yegore negore yemari: Mamwe mapurogiramu anotengesa mari yepamusoro, vamwe vanobhadhara zvichienderana nehuwandu hwebhuku. Dzimwe hurumende dzinopa mitero yekubhadhara kana mari shoma kune vagari, kana kuti hapana mari yekubhadharira zvachose.
- Mari-yekodzero dzemari: Zvichienderana nehupfumiro iyo iyo inorongwa 529 (Vanguard kana Advantage, somuenzaniso) kunogona kuve nehomwe yebhadharo inowanikwa.
Kazhinji mitero iyi inogona kusiyanisa kubva kune imwe nyika kuenda kune imwe nyika kana kunyange pakati pekutsvaga kwekutsvaga mune imwe hurongwa. Semuenzaniso, iyo yakaderera mari yekutsvaga mari muDelaware's College Investment Plan yaive $ 135 gore negore muna 2017, nepamusoro-soro raiva $ 1,459.
Mari inogona kunge iri yakakwirira kana yakaderera apo mamwe masangano anogadziriswa, zvakadai sokutsvaga mari-muhurumende, kutenderera mitezo yemotokari, kuchengetedza kero yakaderedzera, kana kusarudza magwaro ekutumira mabhuku.
5. Usability
Kunyange zvazvo zvirongwa 529 zvinopa nyore kushandisa, mawebsite ezuva ranhasi, vamwe varikushaikwa mune zvekushanda kana kuti vanoda mapepa akawandisa kuita mabasa.
Sechikamu chekutsvakurudza kwako, shanyira mawebsite anobatanidza nezvirongwa zvaunofunga. Zviri nyore sei kufamba nenzira ino, kuwana ruzivo, kunyoresa, kuisa hunoenderera mberi kana kuti imwe nguva yezvipo, kutanga rollover, uye kuita mamwe mabasa ekutanga?
529 zvirongwa zvinobvumira ani zvake kupa, asi hazvisi nyore nguva dzose kuzviita. Kana vanasekuru navanamai kana vamwe shamwari neshamwari vangada kukubatsira iwe kuchengetedza, zvakakosha kuti uone kana izvi zviri nyore kuita. Zvirongwa zvekare zvinoda kugovana kugovera nhamba, kuongororwa, nekuzadza mapepa.
Mazuva ano 529 zvirongwa zvinowanika kuburikidza nezvishandiso zvakadai seColletBacker uye Upromise kusimbisa kushandiswa kwevamwe vanoita mari uye mhuri neshamwari dzinoda kubatsira.
Kana zvakaoma kana kuti zvakavhiringidza kuti uwane nzira yako yakapoteredza, ita michero kune chirongwa chako, kana kuti uwane shamwari uye nhengo dzemhuri dzakabatanidzwa, unogona kunge uri nani neurongwa hunotipa ruzivo rwakajeka.
6. Mupi wezano kana Dare Dzakatengeswa
Paunosarudza hurongwa 529, iwe unosarudza kubuda kuburikidza nemutengesi kana kusarudza urongwa uye kuzvipira iwe pachako pachako. Kune zvipo uye zvipingamupinyi kune zvose zvingasarudzwa.
Kazhinji, kana uri kutsvaga iyo yakaderera-mari yakasarudzwa, chirongwa chakanaka ndicho chakanaka chekutengesa. Mupi wezano-akatengesa zvirongwa 529 zvinowanzova nezvikwereti zvegore negore, kusanganisira mapepa emipiro yako.
Zvisinei, kana iwe ukasada kuisa munguva uye kuedza kutsvakurudza zvirongwa uye udzidze mitemo yako yehurumende, kana iwe ungada nyanzvi kuti uchengetedze zvikwereti zvako, ipapo chirongwa chevatengesi-chakatengeswa chinogona kuva chako.
7. Mari YezveMari
Zvimwe zvirongwa zvehurumende 529 zvinopa rubatsiro rwakakosha rwemari kana zvimwe zvidikanwi zvichisangana, sekuenda kuchikoro mumamiriro ezvinhu uye kuisa mari kune imwe nguva yakatarwa.
Semuenzaniso, New Jersey inopa ruzivo rwakakosha pakati pe $ 500 ne $ 1,500 kune avo vanozvipira kwemakore anopfuura mana mugadziriro ye NJBEST 529 uye kuenda kune imwe yunivhesiti yeNew Jersey.
Kana hupfumi hwako huchipa rubatsiro rwemari hunoita kuti uwane sarudzo yehurumende, iwe ucharamba uchida kuongorora kana mari uye mitero yekurudzira inoita kuti zvive zvakakosha.
8. Investment Strategic
Kushingirira kwako kune njodzi, bhajeti, makore emwana, kuti iwe unoda kuisa mari yakawanda sei, uwandu hwevana vanawo, uye huwandu hwekutsvaga mari inogona kuita chimwe chinhu mune chirongwa chaunosarudza. Iwe unogona kutsvaga sangano rakashanda kana rakashongedzwa, kana kuti unoda kutora mamwe maoko-pa DIY nzira. Kana iwe unogona kunge uchida dambudziko rakaderera, kana rakakosha kukura.
Mamwe mapurogiramu ane zvipo zvakaderera zvikuru zvishoma zvekutanga, asi vamwe vangave vachida mari yekutanga inotengeswa. Saizvozvowo, nyika dzakasiyana dzinotora mupiro wako wepamusoro, naizvozvo kana iwe unofunga kuti mwana wako anopinda chikoro chekudzidza, kana kuronga kuchinja muwani wezano uye kushandisa mari yakasara yemumwe mwana, iwe ungatora izvi. Mamwe mashomanana anotaura kunyange kupa mitezo kune vagari vepfuma shoma.
Saizvozvowo, zera remwana wenyu rinotamba chimwe chinhu-kana vari pedyo nekoroji, unogona kusarudza chirongwa chakasiyana kana mwana wako ari pedyo nezera rekukolishi pane iwe unoronga kuisa mari kune makore gumi nematanhatu.
Zvirongwa zvinopa makore-based asset allocation ndezvarudzo yakakurumbira, sezvo vachigadzirisa kusanganiswa kwematokisi uye zvisungo zvinobva apo mwana wako achatanga koreji, asi kwete zvese zvirongwa zvehurumende zvinopa zano iri.
Izvi zvinongova zvishomanana zvezvikonzero zvakasiyana zvaungatarisa paunofanidza zvirongwa.
Mifungo Yokupedzisira
Kana musoro wako uri kuputika nezvose izvi zvingafungwa, kwete kuti uzvidye mwoyo. IRS inobvumira rollover imwe yemitero isina kubhadhara yerunti ye 529 gore roga roga, saka iwe hauna kuroorwa neurongwa hwaunosarudza.
Kana uri kutsvakurudza zvaunogona kuita, tarisa Morningstar yeruzhinji rwegore rezvinyorwa zvinopfuura 529, kana dzakawanda mapikicha ekuenzanisa, maverengi, uye zvigadzirwa paColleBacker.com. Yeuka kuti pasinei nokuti urongwa hupi huripo, iwe unogona kunge uri nani pane kuponesa muna 529 kupfuura munyaya inotengesa. Chinokosha ndechokusarudza imwe (pakutanga iwe unogona) uye kutanga kuchengeta nguva dzose.