Mitemo yekudaidza iyo Iowa 529 Imari Imba Yokubviswa
Kana uri kuronga kuisa mwana kana mumwe waunoda kuburikidza nejijiji uye iwe unogara kuIowa, ipapo iwe uchada kuwana chokwadi chako chakarurama pane Iowa Iowa Savings 529 chirongwa. Kuziva zvikomborero zvingave zvaunogona kufara sezvo iwe uchizvipa urongwa zvinogona kusunungura zvimwe zvekunetseka kwako pamusoro pemari yekuisa mudzidzi mumakore mana (kana kupfuura) emakore akapfuura.
Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo.
Kuiswa kwezvikwata kwakaitwa munhoroondo idzi kunokura pasina mari yehurumende uye yehurumende inotora mitero. 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. Pane zvingasarudzwa zviviri zviripo kuburikidza nepurogiramu iyi:
- College Savings Iowa 529 Purogiramu: Iyi chirongwa chekuchengetedzwa kweVanguard 529 chinoratidzira maitiro mana akasiyana-siyana muhutano hwaro hwemazana pamwe chete nematurotiyoti gumi, iyo yose inoshandisa Vanguard mari. Inotengeswa zvakananga kuIowans uye nevanhu munyika yose.
- Iowa Advisor 529 Gadziriro: Iri chirongwa chinotengeswa kuburikidza nevarimi vemari. Kutungamirirwa neVoya Investment Management Co. LLC, purogiramu ine nheyo yezera, zvishanu kushandiswa kusarudzwa, uye 12 zvisarudzo zvekusarudzwa kwemari zvinoshandisa mari imwechete inotungamirirwa naBaillie Gifford, BlackRock, CBRE Clarion, Delaware Investments Fund Advisers, Goldman Sachs, Hahn Capital Management, JP Morgan, Lazard, LSV, T. Rowe Price, Van Eck, Voya IM uye Wellington.
Zvaunotarisira Kubva kuIyo 529 Plan
Iowa vagari vanozvipira kuIogeji yekuchengetedza chirongwa chekugamuchira mari yekubhadhara mutero wehurumende ye $ 3 239 muzvipo kune umwe anobatsira kubva kune mari yakawanda yakagadziriswa. Kana Iowa anogara achipa rubatsiro kune vazhinji vanobhadhara (vana), vane kodzero yekuderedzwa kakawanda, kusvika kumuganhu uno.
Semuenzaniso, vakaroorana vaIna vakaroorana vanozvipira kune zvikwereti panzvimbo yevana vavo vaviri vanogona kutora kusvika $ 12,956 (4 x $ 3 239).
Kukosha kweIo Iowa College Savings Tax Kuchengetwa
Iowa vagari vanoedza kusarudza kuti kana kwete ivo vanofanira kushandisa chirongwa cheIowa 529 zvichienderana nezvimwe motokari yekuchengetedza dzinoda kubhadhara mari inogona kubhadhara mutero wekubhadhara mutero wehurumende. Yeuka, vagari venyika havagamuchiri kubhadhara mitero yeIyo yekubhadhara mari yekubhadhara mari yekupa kune chero humwe hurumende yeChirongwa 529 chirongwa, sezvinoitika kune dzimwe nyika dzakawanda.
Tichifunga kuti mari yepamusoro yebhadharo muIowa i8,8 muzana, mari imwe neimwe ye $ 3 239 muurongwa weIowa 529 inogona kuchengetedza mubhadhari kusvika ku $ 290.86 panguva yemitero. Kunyange zvazvo ichi chiri chakanakidza, hachigoni kubvisa zvikomborero zvekushandisa mamwe marenda asina kubhadharwa akadai seCoverdell Education Savings Account (ESA) kana kuti UTMA Chekuchengetedza Aunti. Taura nemudzidzisi wako wezvemari kana kuti unyanzvi akafanana pamusoro pehupenyu hupi hunogona kukupa zvakanakisisa.
Zvimwe Zvipo zveIowa Plan
The College Savings Iowa 529 chirongwa ine federal gift tax incentive. Iowa vagari vanogona kupa mukana we $ 70,000 mugore rimwechete ($ 140,000 kune vakaroora vakaroorana pamwe chete) kune mumwe mubhadhari pasina kuunza mutero wepa federal.
Chimwe chinhu ndechokuti iwe haugone kuita chero zvipo kune mumwe mupiro wemakore mashanu. Zvinenge-zvive zvipo zvakanyatsorayirwa kutarisa mutungamiri wemitero usati wasayina kuti purogiramu ishandise zvigaro zvayo zvinokurudzira.
Kutaura kuti Iowa 529 Imba Yokubhadhara Mutero
Kutaura kuti kubudiswa kwemutero weIyo 529 kunoda kupedzisa Iowa State Form 1040. Kubviswa kwacho kunosanganiswa nedzimwe kugadziriswa kune mari uye inoratidzwa Mutsara 24 wekudzoka. Mutero wekubhadhara unofanirwa kuendeswa nemutsanangudzo pfupi wemari, kusanganisira mari yakabviswa nemwana. Zvimwe zvinowanikwa pamusoro peAmerican 529 mutengo wekutsvaga unogona kuwanikwa pawebsite yeIowa Revenue Rebsite uye webasa reColle Savings Iowa.