Dzidza kuti chirongwa chePath2College chinokubatsira sei kuchengetedza dzidzo yepamusoro
Kana uri muGeorgia mugari anoronga kuisa mwana kuburikidza nekoroji, zvakakosha kudzidza pamusoro pemitero inobhadharwa inowanika nekupa ku 529 College Savings Plans. Kana mari yakakwana inoponeswa nemotokari iyi, zvinogona kunge zvisinganyanyi kudzvinyirira panguva yakagamuchirwa nezvekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo.
Kuiswa kwezvikwata kwakaitwa munhoroondo idzi kunokura pasina zvose zvehurumende uye yeGeorgia mutero wemari inowanikwa.
Mukuwedzera, zvose zvinorega zvinoshandiswa pamari yepamusoro yepamusoro yezvidzidzo zvinosunungurwa kubva kuFederal uye kuGeorgia mutero wemari. Zvikwereti zvinodhura zvinosanganisira kwete kungodzidza, asi imwe nzvimbo uye bhodha mari, makombiyuta uye teknolojia yakabatana mari, mabhuku, mari, uye midziyo.
Hurumende inopawo huwandu hwekubhadhara mutero kune vagari vanoita basa rePath2College 529 chirongwa. Vabatsiri vanogona kutora kusvika ku $ 2 000 pagore pamafomu avo emitero yehurumende, kana $ 4000 pamatafura akabatana. Chirongwa cheGeorgia chinowanzogamuchira zvikwangwani zvakakwirira, kunyanya zvichienderana nechepasi-kudarika-inodhura mari yekubhadhara mari.
Nokuda kwezvirongwa izvi zvemitero, nhengo dzemhuri neshamwari dzinogona kubatsira muchechi yekoroji, uye kuwana mutero wekubatsira kuita kudaro. Kwemakore ose, nemipiro yenguva dzose uye chidimbu chechidimbu, chirongwa chinogona kukura zvakanyanya kuti chigoverane nemari yekudzidzisa mwana. Chirongwa cheGeorgia-chakatengeswa chinopa zvinotevera:
- Age-Based Investment Options : Iyi sarudzo inofunga nezvenhesi yezvinobatsira uye nhamba yemakore vasati vatora 18 kana kuti vanotarisirwa kutanga koroji. Iyi sarudzo yakanaka kune vanhu vanoda nyanzvi, yose-in-one chikoro chekushambadzira.
- Chokutendesa Kwekubhadharwa Kwekutsvaga : Iyi sarudzo yekutsvaga inoda kuchengetedza mari uye inopa kudzoka kwakasimba. Izvi zvinogona kunge zvakanaka kune avo vane nguva shomanana, kana avo vane ukama hwakanyanya hwekutsungirira.
- Multi-Fund Investment Options : Izvi zvingasarudzwa zvekutsinhanisa zvakanaka kune vashandi vepa akhawunti vanofarira kusarudza chikwereti chekutsvaga mari yehuwandu hwekugoverwa kwemari. Nhengo imwe neimwe ye-fund-invest investment portfolio inopiwa mari yakawanda yepasi uye / kana chibvumirano chekubhadhara mari uye ine chinangwa chakasiyana-siyana chekutsvaga uye sarudzo yekutsvaga.
- Nhengo-yeChikwata Chekutsvaga Kwokubhadhara : Zvisarudzo izvi zvekutsvaga mari imwe neimwe inotengeswa chete muzvikamu zvimwe zveChina Chine Chikwereti kana Chibvumirano Chekubhadhara. Izvi zvinogona kunge zvakanaka kune avo vanofarira mari chaiyo yega imwechete yakadai sokuenzanisa index, mari yemusika kana zvekuchengetedza mari dzevanhu.
Peji yeGeorgia2College 529 Plan
Purogiramu yeGeorgia inotungamirirwa neTIAA-CREF Tuition Financing, Inc. Zviri nyore kuzarura kambani paIndaneti - iwe unongoda $ 25 kuti utange. Vashandi vehurumende yeGeorgia vanogona kupa mari kumapato avo ePath2College 529 kuburikidza nesarudzo yekubvisa mubhadharo, neine mupiro wemari ye $ 15 pamari yekubhadhara. Mupiro wemugove wepamusoro wezvirongwa zveGeorgia yose ndeye $ 418,000.
Vagari vomuGeorgia vanogona kutora kusvika ku $ 2,000 pagore pamitero yehurumende inobhadhara mitero kune wese anobatsira chirongwa. Kana uine vana vashanu, somuenzaniso, unogona kutora $ 10 000 kubva pamutero wako wekubhadhara mari kune zvipo zvepurogiramu yako 529.
Iwewo haufaniri kutora zvitsva zvekuti iwe unoti kuderedzwa uku. Mune mamwe mazwi, kunyange kana iwe usingakwanisi kubvisa chero chimwe chinhu, iwe uchiri kukwanisa kubvisa zvipo zvako kune chirongwa kubva pamari yako yakawanda kuGeorgia iwe pachako iwe unotora mutero.
Vagari vachipikisana nekushandiswa kweGeorgia Chikamu 529 chirongwa zvichienderana nezvimwe makoroji ekuchengetedza motokari dzinofanirwa kuita kuti mari iyi inogona kubhadhara mutero. Yeuka, vagari venyika yeGeorgia vanongopedzisira vadzikinurwa pakupa kuGeorgia Section 529 chirongwa, kwete zvirongwa kubva kune dzimwe nyika.
Tichifunga nezvekuti mari yepamusoro yebhajiji yeJeorgia vagari 6%, mupiro wega we $ 2,000 unogona kuchengetedza kusvika ku $ 120 panguva yemutero. Mune mamwe mazwi, kugamuchira kubviswa kunogona kunge kwakafanana nekuwana bhonasi ye6% pamutengo wakapiwa.
Kushandisa Zvakabhadharwa 529 Mari
Iwe unogona kushandisa Path2College 529 Plan yemari kune imwe yekoroji yakagamuchirwa kana yunivhesiti muUnited States, uye kune vakawanda vari kunze kweUnited States Mari iri munhoroondo inogona kushandiswa pamari yekudzidza yakakodzera. Sezvakataurwa nehuwandu hunoti, kusunungurwa chero kupi zvako kubva kurongwa hwako 529 husina kushandiswa pamari yepamusoro yezvidzidzo kunogona kuve pasi pehurumende uye mutero wemari.