Iko Iko New York Inopa Zvipo KuKoji Dzidzo Yokuchengetedza Mazano
Kana iwe uchirarama muU State State, uye uri kuronga kuisa mwana kuburikidza nekoroji, iyo mashoko akanaka ndeokuti New York inopa kubhadhara mutero kwakanyanya kune vagari vanobatsira ku 529 College Savings Program . Vose vasina kubhadhara mutero vanogona kuwana kuwanikwa kweNew York State kwekubhadhara mutero kunosvika $ 5,000, asi vakaroora vanonyora pamwe chete vanogona kuwana kuderedzwa kusvika $ 10 000.
529 Zvirongwa zvinopa mitero-inobatsira nzira yekuchengetedza mari.
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. New York imwe yenyika 33 uye District of Columbia inopa vagari mubhadharo mutero kana mutero wechikwereti.
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. New York inopa zvirongwa zviviri zvinokwana 529 zvekuponesa:
- Purogiramu yeNew York 529 (Direct): Kutungamirirwa neVanguard uye Upromise Investments, chirongwa ichi chinopa maitirwo ematatu emakore ekuchengetedza (kunyatsochengetedza, kuenzanisa uye kushungurudza) uye gumi nemaviri ezvimwe zvikwama zvekuchengetwa kwemari (mahwendefa mana emari uye mapfumbamwe asina mari). Zvikwata zvekare-zvekare zvinoshandura kugoverwa kwemafa avo munguva yekutsinyeka kusvika pakuwedzera kuchengetedza sezvo mudzidzi anosvika kuzera remakoreji. Zvimwe zvinowanikwa mune zvekutsvaga mari zvinosanganisira izvo zvakagadzirirwa kutarisa mazano zvinosanganisira kukura kwechisimba uye kubhadhara mari-kuwanikwa kana misika yakagadzirwa, kukoshesa chikwama kana nheyo dzezvisungo. Morningstar inotaura kuti chirongwa ichi ndechimwe chezvinhu zvinodhura zvakatengesa-zvakatengeswa zviripo, uye zvinorumbidza kubhadhara mutero kune vagari venyika. Iko mari shoma yaunofanira kugovera kuNew York 529 Direct Plan kuti uzarure nhoroondo iri $ 25.
- Purogiramu yeNew York 529 (Mupi wezano-Kutungamirirwa): Iri chirongwa-rekutsvaga chirongwa chinopa kusanganiswa kwezvikwata zvemari zvakawanda pamwe chete nemari imwe neimwe. Muongorori wako anogona kukubatsira kusarudza kubva pamitambo mitatu yakasiyana yemari iri pasi kubva kuJP Morgan uye mari inoshandiswa-kutengeserana kubva kuHouse Street Global Advisors - age-based portfolios, mahofisi ekugoverwa mahofisi, uye mamwe mapuritoriko. Mambakwedza anosimbisa hurongwa hwehutano hwakasimba uye hwakasiyana-siyana hwezera-based option. Iyi purogiramu inoda mupiro wekutanga we $ 1 000 ne $ 25 mipiro inotevera.
Maererano neNew York College 529 Savings Plan Tax Tax
Mupiro wemugove wepamusoro wezvinhu zvose zveNew York zvirongwa i $ 375,000. Kusvikira ku $ 10 000 inodhindwa gore negore kubva kuNew York State inotora mari inowanikwa kune vakaroorana vachiisa pamwe chete; vasingabhadhari vateresi vanogona kukwira kusvika ku $ 5,000 pagore. Hurumende inobhadhara mitero yevasingagari vepereji yeNew York inogona kusiyana. Hurumende inobviswa mubhadharo inogona kuendeswa kune dzimwe nzvimbo dzakadai sedorollovers kune imwe hurongwa yehurumende ye 529 kana kusagadziriswa. Ndapota taurira mutungamiri wenyu wemitero kuti uwane mamwe mashoko kune imwe mamiriro ako.
Kuwedzera kune kukwezva kwayo ndeyekuti vagari vemo havadi kuti vaite zvimwe zvikwereti zvavo kuti vatsvake rubatsiro kubva kuNy 529 College Savings Program. Mune mamwe mazwi, kana iwe usingakwanisi kubvisa chero chimwe chinhu, iwe uchagona kukwanisa kupa zvipo zvako kune chirongwa kubva pamari yako yakawanda.
Sezvakataurwa nehurumende dzakawanda, kuparadzaniswa kubva purogiramu yakananga iyo isingashandiswi yepamusoro yezvidzidzo zvekudzidzira inotarisirwa kubhadhara mitero, uye zvakare inogona "kudzoka" kwekuderedzwa kutorwa mumakore akapfuura.
Kukosha kweNew York College Savings Plan Mutero Wokubvisa
Kana iwe uri weNew Yorker uchiedza kusarudza pakati pe 529 chirongwa chekuchengetedza kojiji uye mamwe makirasi ekuchengetedza makoroji, unofanirwa kubhadharira mari inogona kubhadhara mutero weNew York kune vagari vemo.
Yeuka kuti veNew York vanongopedzisira vawana rubatsiro rwekuzvipira kune hurongwa hwe 529 kwete yezvirongwa kubva kune imwe nyika. Kana, somuenzaniso, nyika yeNY inotengesa mari ye $ 318,750 - $ 2 125 450 inotengesa mutero we 6.85%, mupiro we $ 5,000 unogona kuponesa $ 342.50 pamutero wekutengesa. Mune mamwe mazwi, kugamuchira kuderedzwa kunogona kufanana ne 6.85 peresenti yebhonasi pamari yakapiwa.