Kuratidzwa kwezvikwereti zvakasiyana-siyana zvemitero, kubhadhara uye kuchengetedza zvikwereti kumakoroji
Zvirongwa zvekuchengetedza chikoro , zvinonziwo chirongwa cheChechi 529, inyaya yekuchengetwa kwemutero-inofadza. Kufanana neIRAs nedzimwe zvirongwa zvekuchengetedza, zvirongwa 529 zvinobvumira vanhu kuchengetedza mari yekukolishi kuburikidza nekubhadhara mari yakasiyana yekambani. Izvi zvinobatsira: mibairo uye kukura kwezvikwereti mukati mekambani inounganidza pasina kubhadharwa, uye kubvisa kubva kumapurogiramu 529 havatori mutero chero bedzi iyo inoshandiswa nokuda kwezvinhu zvakasarudzwa zvekudzidzisa dzidzo.
Kana mari yacho isingashandiswi mari yekushandisa-dzidzo, mari yakagoverwa ichave yakatarwa nemitero uye 10% yepamusoro. Zvikwereti zvekuchengetedza chikoro zvinotsigirwa nehurumende dzehurumende, kunyange iwe wakasununguka kuisa mari kuburikidza nehupi hurongwa hwehupfumi hwehurumende. Mamwe magwaro anokurudzira kuti vashandise hurongwa hwavo.
- Nhamba ye 529 College Savings Plans
- States inopa hurumende inokurudzira kune 529 Plans
- 529 Kubhadharwa Chikoro Chekudzidza
Deducting kosiyiti yekorosi inogona kuitwa kuburikidza nedzidzo uye mari yekubhadhara mutero . Uku kubviswa kunotorwa zvakananga pamutero wako wekuteresa usina kudiwa kuti uite. Vadzidzi havadi kuti vanyorwe hafu yenguva kana nguva yakazara, saka kunyange kutora imwe nzira inogona kukukodzera kuti iwe uwane mari iyi. Izvi zvakabviswa pakupera kwegore ra2014.
Kune zvikwereti zviviri zvemitero yepamusoro-soro. IAmerican Opportunity chikwereti inopa mvumo yekubhadhara mitero inosvika $ 2,500 yepasikiriyamu dzidzo.
IAmerican Opportunity Credit yakagadzirirwa kupedzisa pakupera kwe 2017. Lifetime Learning Credit inopa chikwereti chemutero kusvika kusvika $ 2,000 kune chero ruzivo rwevadzidzi vekoroji (kunyange chikoro chesekondari), uye hachidi kuti uwandise huwandu hwekunyora. Kunyange zvakadaro, Lifetime Learning Credit ine nhepfenyuro yakaderera yakaenzana nekuenzaniswa nedzidzo yekudzidzira.
Kurega kufarira kune zvikwereti zvevadzidzi. Vadzidzi vanogara vachitora chikwereti kuti vabhadhara mari yekoroji. Kufarira kune zvikwereti zvevadzidzi zvinogona kuderedzwa kusvika ku $ 2 500 pagore. Ngwarira kuti kubviswa uku kunopera zvishoma nezvishoma sezvo mari yako inowedzera. Iko chikwereti chechikwereti chekubhadhara chikwereti chinotorwa zvakananga pamutero wako wekubhadhara uye haifaniri kutaurirwa.
Hapana kubhadhara mitero yakabhadhara mutero kana chikwereti kunobvumirwa kune vateresi avo vakaroora asi vachiisa zvinyararire . Kusiyana nemafuta hakubvumirwi neAmerican Opportunity credit, Lifetime Learning Credit, chikoro chekubhadhara mari, kana kubhadhara chikwereti chechikwata chevadzidzi.