College Tax Benefits kuColorado Vagari

Mitemo yekudaidza Colorado Chikamu 529 Kubhadhara Mutero

Mhuri kuisa pamwe purogiramu yekuchengetedza kojiji inowanzotarisa 529 Plans, iyo inopa mitero-inobatsira nzira yekuchengetedza mari, sechisarudzo chaungaita. Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo. Kuiswa kwezvikwata kunowanikwa munhoroondo idzi kuchakura pasina mari yehurumende uye yehurumende yemitero. Mukuwedzera, zvose zvinorega zvinoshandiswa pamari yepamusoro yepamusoro yezvidzidzo zvinosunungurwa kubva kune federal income tax.

Mamwe makumi matatu nematatu anotaurawo kuti anotora mitero yehurumende paanotora mari, pamwe chete nekupa zvimwe zvinokurudzira.

Kuburikidza nezvirongwa izvi zvekubhadhara mitero, nhengo dzemhuri neshamwari dzinogona kubatsira muchechi yekoroji, nekuwana mubhadharo wekuita saizvozvo. Kwemakore ose, nemipiro yenguva dzose uye chidimbu chechidimbu, chirongwa chinogona kukura zvakanyanya kuti chigoverane nemari yekudzidzisa mwana. Colorado ine zvingasarudzwa zvina zvinowanika kuburikidza neKoinInvest 529 College Savings Plan:

• CollegeInvest Direct Portfolio College Savings Plan : Boka reAcensus Broker Dealer Services, Inc. uye The Vanguard Group rinotarisira zvakananga-kutengeswa Colorado Direct Portfolio College Savings Plan. Icho chinoshandisa makore-based uye static zvinyorwa zvepodfolio zvichishandisa Vanguard mutual funds.
• Scholars Choice College Savings Program : Kana ukasarudza kushanda nemudzidzisi wezvemari, Scholars Choice College Savings Plan inopa mazano nevatengesi zvakasiyana siyana zvakakosha. Inosanganisira urongwa hwemakore-based, static multi-fund, uye imwe sarudzo yemapatofodhi anoshandisa mari inotungamirirwa neLegg Mason vashandi pamwe chete nevevasiri vemuTrrnburg Investment Management uye Franklin Templeton Investments.

• CollegeInvest Smart Choice College Savings Plan : Iri chirongwa chekuchengetedzwa kwekoroji rinonyatsotengeswa rinopa maitiro maviri eDICIC-inshumo kuburikidza ne FirstBank: nhoroondo yegore rimwe chete yekuchengetedza uye nhoroondo yemari yekuchengetesa kwemari.
• CollegeInvest Stable Value Plus Chikoro Chekuchengetedza Chikoro : Urongwa urwu hwakatengeswa hunotsanangurwa hunoita chisarudzo chimwechete: chekuchengetedza-kukosha kwekutsvaga pasi pesangano rekubhadhara mari neMetLife iyo inofanirwa kutora chirongwa chitsva gore negore.

Colorado inopawo Matching Grant Program, iyo inopa dollar-for-dollar mutsara kusvika kusvika $ 400 muzvipo zvepasi kusvika kune pakati-muCoronto vagari venhoroondo kune avo vanofanirwa kubatsirwa. Zvikumbiro zvinogamuchirwa gore roga roga pakati peSeptember 1 neDecember 31. Mutsara unogona kuwedzera kwemakore mashanu, asi kuenzanisa zvipo zvemakore anotevera zvinotarisirwa mberi nekubhadharwa neanotsigira.

IkoKoInInvest 529 Scholarship inopa $ 2,000 kudzidza kune chero ani zvake akazara nguva yevadzidzi ari Colorado anogara, akachengetedza kana akava nemubereki / muchengeti akachengetedza CollegeInvest account kwemakore maviri, uye anogona kutsigira mhuri inotarisirwa (EFC) iripo pakati $ 5,000 uye $ 25,000. Iyi nyanzvi yakagadzirirwa kupa muColorado vagari vemhuri yepakati pekuwana avo vakaronga dzidzo yepamusoro nekuchengetedza neKoinInvest 529 College Savings Plan. Inogona kudzorerwa gore negore kusvika kumakore mana kana $ 8,000. Zvikumbiro zvinogamuchirwa January 1 kusvika Mei 15.

Hurumende yeColorado ndeimwe yenyika shanu dzinobvumira kuderedzwa "kusingagumi" kwezvipo kumakero aro eChipiri 529. Izvi zvinopesana nedzimwe nyika dzinoisa chirevo, zvakadai sepamusoro pe $ 2,500, pamari yezvipo zvinogona kuderedzwa kune vagari venyika inotora mutero inodzoka.

Kugoverwa kubva kuColorado Chikamu 529 chirongwa chinoshandiswa pakudzidza mari yekudzidzira hachikwanisi kutererwa.

Colorado vagari vanoedza kusarudza pakati peChirongwa 529 neyeimwe motokari yekuchengetedza inofanirwa kubhadharira mari inogona kugadziriswa yekushandisa hurongwa hwehurumende. Tichifunga kuti iyo yepamusoro yebhadharo yemari yeColorado vagari 4.63%, mari yose yemadhora zviuru gumi zvakapiwa kuColorical Section 529 chirongwa ichi chinogona kuchengetedza mari yakawanda ye $ 46 pamutero wekutengesa. Mune mamwe mazwi, kugamuchira kuderedzwa kunogona kufanana ne 4.63% bhonasi pamari yakapiwa. Kubva muna 2015, zvipo zvevagari vomuColorado Chikamu 529 chirongwa chinobviswa paNzira 10 yeColorado Individual Income Tax Return (Fomu 104). Yeuka, Colorado vanogara vanongogamuchira kubhadhara kwekupa mari kuColor's CollegeInvest kana kuti Prepaid Tuition purogiramu, kwete dzimwe zvirongwa zvehurumende.

Hazvikwanisi kunonoka kutanga kutanga kuchengetedza kwekudzidzisa kwekoroji. Kuchengetedza chero ipi zvayo kunokupa mawe-kutora kwauri uye chinangwa chemwana wako.