Kubvisa Mitemo yeUTMA, UGMA, Chikamu 529 Plans, uye Coverdell ESAs
Chisarudzo chechimiro ichi hachifaniri kurerutswa sezvachinogona kukanganisa kukwanisa kwevana vako kubhadhara kwekoroji. Asi, kana mari inonyanya kudiwa, vabereki vanofanira kuziva kuti kune mitemo yakasiyana uye mitero inobatanidzwa pakurega mari yekoroji yekusati iri yekoroji mari kubva kuUTMA neGMA Custodial Accounts, Chikamu 529 Plan Accounts, uye Coverdell Education Savings Accounts.
UTMA neGMA Kurega Mitemo
UGMA neATMA kuchengetedza zvikwereti zvinobvumira vanhu vakuru kuti vaite chipo chemari kumuduku, uye vanorevawo mumwe munhu (kusanganisira ivo pachavo) sevadziviriri vekambani. Izwi rinokosha pano ndi "chipo." Mari iri munhoroondo idzi, yakambopiwa, ndiyo inenge iri yemutemo yediki. Basa rekuchengetedza nderekuchengetedza rakachengeteka uye kuririma nekuchenjera, kuitira kuti muduku awane rubatsiro kubva kune rimwe zuva.
UGMA uye nhoroondo dzeUTMA dzinowanzoshandiswa kubhadhara koroji, asi inogona kushandiswawo chero mari ipi zvayo inowanikwa.
Izvi zvinogona kusanganisira chero chinhu kubva kune zvinyorwa zvekushandisa mari yekurarama kumabasa ekuzorora semitambo yematambo. Munhu anodzivirira anofanira kunge anokwanisa kuratidza kuti muduku wacho anonyatsobatsirwa nekushandisa kwemari.
Hapana hutachiwana hweRS pakutora mari kubva kuGMA kana kuUTMA, asi zvinoita kuti zvikwereti zvinotengwa zvingave nokubhadhara mari kana kubhadhara mari kana zvichiitwa zvishoma pane imwe nguva yenguva.
Purogiramu yakaitwa pakuregererwa kwekutsvaga mari muGMA yemwana kana kuUTMA inowanzotaurwa pamusoro pemutero wechikwereti wemwana, asi zvimwe kana zvose zvingangowanikwa pamutero wemubereki, pamubhadharo wemubereki, zvichienderana nekuti mhuri inoshandisa sei musangano wayo mitero.
Chikamu 529 Ronga Kurambidza Mitemo
Chikamu 529 nhoroondo dzakagadzirirwa kubvumira vabereki kuchengetedza hutungamiri hwakanyanya kupfuura maGMA neATMA. Mumwe munhu akaisa chikamu cheChishanu 529 anogona kuwana mari yavo chero nguva chero ipi zvayo. Havana kufunganya nezvekutsanangurira kune ani zvake, uye hazvifanirwe kunge zviri kubatsira mwana.
Icho chiyeuchidzo apa ndechokuti mari inodzingwa kubva muchirongwa cheChishanu 529 isati isashandiswa pamari yepamusoro yezvidzidzo ichave yakatarwa ne10 muzana yekodzero uye mutero wemari pamitero. Chero hupfumi huripo hunogona kukupawo mari yekuzvipira.
Semuenzaniso, kana ukaisa $ 10 000 muchirongwa cheChishanu 529 chazvino chakakodzera $ 15,000, iwe unenge uine $ 5,000 purofiti. Kana iyo yose yakawanda inobviswa nokuda kwekusati iri yekoroji, iwe unofanirwa kubhadhara mutero wemari uye 10 muzana chirango pamutengo we $ 5,000.
Bhuku Rekuchengetedza Dzidzo Yedzidzo (ESA) Kuregererwa Mitemo
Iko kusina kukoreji kwekoroji inotonga pa Coverdell ESA inowira pakati peChechi 529 Purogiramu yemitemo uye mitemo yeGMA / UTMA.
Mari inotengeswa inoonekwa sechipo kumwana, asi inogona kuendeswa kune mumwe muwani kana wekutanga asingakwanisi dzidzo yekudzidzira nemakore makumi matatu.
Zvichiri nani, haufaniri kushandisa kambani iyi chete kune yekoroji mari. Nepo iwe usingakwanisi kuishandisa iko kwekudya kana zvokupfeka, sezvaunokwanisa neGMA kana UTMA, unogona kuishandisa kune zvimwe zvekudzidzisa mari pamberi pekoroji. Izvi zvinogona kusanganisira K-12 dzidzo yega yega kuchikoro, kudzidzisa, mabhuku, yunifomu yechikoro, uye teknolojia (kombiyuta kana laptop).
Saka, kana iwe wakasimba pamari uye uine Coverdell ESA, unogona kunge uri nani kubvisa kubvisa kubva kubhuku rekukoro kuchikoro chepamusoro kana yunifomu yechikoro kudarika kushandisa mari iri muhomwe yako. Kana mari inoshandiswa kuti "inokodzera" kudzidzisa mari, iyo mari inogona kubviswa zvachose musero-pasina.
Kana iyo isingashandiswi pakudzidza dzidzo yakakodzera, chikamu chekugovera chinomiririra pfuma inokweretwa kumubatsiri (mwana) semari inowanikwa, uye inotarisirwa kune imwe yero 10 muzana chirango.