Izvo zvaunoda kuziva pamusoro pekutaura kubviswa
Kana iwe uri mugari weMichigan uyo anoronga kuisa mwana kuburikidza nekoroji, zvakakosha kudzidza pamusoro pemutero unobhadhara iwe unowanikwa nekupa ku 529 College Savings Plans. Dzidzai nzira dzekuchengetedza dziripo uye vanhu vavakagadzirirwa kubatsira, pamwe chete nezvinodiwa nazvo, nekudzokorora uku. Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo.
Chinangwa chezvirongwa izvi ndechekupa zvigadzirwa kune vanoronga mari vanoda nzira dzekubatsira vatengi vavo kutarisana nebasa rimwe rinotyisa rekuchengetedza kwunivhesiti, apo vachipa vagari mukana wekushandisa zvakanakisa kugamuchira kwekubhadhara mutero kuMichigan. Kuiswa kwezvikwata kwakaitwa munhoroondo idzi kunokura pasina mari yehurumende uye yeMichigan. Mukuwedzera, zvose zvinorega zvinoshandiswa pamari yepamusoro yemari inoshandiswa zvinoregererwa kubva kuFederal uye kuMichigan mubhadharo wemari. Zvikwereti zvinodhura zvinosanganisira kwete kungodzidza, asi imwe nzvimbo uye bhodha mari, makombiyuta uye teknolojia yakabatana mari, mabhuku, mari, uye midziyo. Michigan ndiyo imwe yenyika 33 uye District of Columbia inopa vagari mutero wokubviswa kana mutero wechikwereti.
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.
Michigan inopa zvinotevera:
- Michigan Chikoro Chekuchengetedza : Ichizivikanwawo seMESP, iyi inotengeswa zvakananga 529 chirongwa chekuchengeta (MESP) inotungamirirwa neTIAA-CREF Chikoro Chekubhadhara. Iyo Plan inopa chisarudzo chezvikamu zvitanhatu zvekutsvaga mari. Izvi zvinoshandiswa mukusiyana kwekutsvaga mazano uye chirwere chekuisa njodzi, zvichibvumira vatengesi kusarudza sarudzo kana kusanganiswa kwezvimwe zvinokodzera zvavanoda.
- MI 529 Mutungamiri Plan : pamwe chete neHurumende yeMichigan, Allianz Global Investors Distributors uye TIAA-CREF Chikoro Chekubhadhara Inc. yakagadzira shanduro, inyanzvi-yakatengesa hurongwa hwe 529 yekubatsira mukuchengetedza kwekoroji. Sarudza kubva kumatanho matanhatu ekuchengetwa kwekutsvaga mari, mapato maviri ekusimudzirwa kwekutsvaga, uye nhengo gumi neimwe dzekutsvaga kwekutsvaga. Aya mahofisi akasiyana-siyana zvichienderana nehutano hwekutsvaga uye njodzi dzomukati.
Michigan inopawo chirongwa chokubhadhara chikoro chekubhadhara, Michigan College Trust (MET), iyo yakazarurirwa kuMichigan vanobatsirwa. Zvibvumirano zveMET zvinopa zvitatu zvokusarudza kutenga: chikwama chemari, pay-as-you-go, uye pamwedzi. Chinoita kuti purogiramu iyi yakasiyana kubva kune vakawanda ndeyokuti zvipo hazvigoneki.
Mitero Yemitero yeM MI 529 College Savings Plans
Mupiro wepamusoro uri $ 500,000. Vavatori ve MI 529 Zvigadziro vanogona kugamuchira mutengo wekubhadhara mutero wehurumende kusvika kusvika $ 5,000 pagore kune mumwe munhu mukuru kana kuti $ 10 000 nokuda kwemafuta ekubatana. Kunyangwe kana vagari vemuMichigan vachipa mari yakawanda panzvimbo yevashandi vakawanda, vanogona kungotora mari yakawanda ye $ 5,000 nokuda kwekudzoka kamwe chete kana $ 10 000 nokuda kwekudzoka pamwe chete gore negore. Chero chikwereti chakakonzerwa pamusoro pemiganhu hachibvumi uye hachizoendeswa mberi.
Kukosha kweMichigan 529 Kugadziriswa kwePurogiramu
Vagari vemuMichigan vachiedza kusarudza kana kuti vasashandise hurongwa hweMichigan 529 zvichienderana neurongwa hwekuchengetedza kojiji kubva kune imwe hurumende vanoda kubhadhara mari inogona kubhadhara mitero yekupa mukana wavo wehurumende. Zvakakosha kuziva kuti Michigan haina kupa mutero kubhadhara kune vagari vanozvipira kune dzimwe nyika.
Tichifunga nezvekuti Michigan inotora mutero wemari inokwana 4.25 kubva muzana, kubhadhara kwakakwana kwe $ 5,000 kunogona kuchengetedza mutero kune $ 212.50 panguva yemitero. Parizvino, Michigan haina kupa mutero wekubhadhara mutero wekupa kune dzimwe mhando dzekoroji yekuchengetedza maakaiti akadai seCoverdell Education Savings Account (ESA) kana kuti UTMA Custodial Account.
Kuzvitsvaga Kubhadhara Mutero
IkoMichigan 529 kugadziriswa kwepurogiramu ndeche "pamusoro pezera" kugadziriswa kwemari, zvinoreva kuti vagari vemo vanogona kuzvitaura kunyange kana vasingatauri zvimwe zvakabviswa, uye panzvimbo yekusarudza kuregererwa kwakakwana.
Vagari vanogona kutsvaga kuMichigan 529 kubhadhara mutero wekambani kuMichigan MI-1040 Fomu. Shandisa Purogiramu 1 - Kuwedzera uye Kubvisa. Mutsara 17 ndeweMichigan Education Education Savings Program uye MI 529 Advisor Plan uye Line 18 ndeyeMichigan Education Trust.