Vabereki, vanasekuru navanasekuru uye dzimwe nhengo dzemhuri kutsvaga nzira dzekuchengetedza dzidzo yekoroji yemwana vangada kuongorora Coverdell ESA. Iyi nhoroondo yekuchengetedza dzidzo ndeyekutsvaga kwenguva refu uye inogona kuva nzira yakanaka yekukubatsira kuisa mari gore negore apo mwana anokura.
Kungofanana nekutsvaga kwekutsvaga , zvakakosha kunzwisisa zvinhu zvakanakisisa uye mutungamiri uyu anotanga nzvimbo yakakwana kutanga.
Kana iwe ukasarudza kuti chirongwa chaunoda kupfuurira mberi, taura nemudzidzisi wako wezvemari kuti uwane zvinyorwa zvitsva uye ugamuchire rubatsiro rwevanhu kuti uone kana zvakakunakira iwe.
Chii Coverdell Account ESA?
The Coverdell ESA yakatanga kuumbwa muna 1997 seChikoro IRA. Muna 2001, Congress yakawedzera zvikomborero zvayo uye yakaitumidza kuti Coverdell Educational Savings Account (ESA).
Nhoroondo yacho inobvumira kusvika ku $ 2,000 pagore mushure mitevedzo yemitero inofanira kuitwa muzita remwana. Mipiro iyi inokura mitero-inoderedzwa uye inogona kubhadharwa mutero usingabhadhari yekudzidzira mari yekudzidzira.
Kana mari isingashandiswi nenguva iyo mwana akatendeuka makumi matatu, inofanira kupiwa kwavari kana kuendeswa kune Coverdell ESA kune imwe nhengo yemhuri.
Ndiani anonzi Ideal Investor weCoverdell ESA?
A Coverdell ESA yakakosha kuvabereki kana vanasekuru navanasekuru vanove nekubatanidzwa kwezvinhu zvinotevera:
- Une vana vakawanda vane tariro yokuti vose vachaenda kuchikoro.
- Iwe unotanga kuronga kukolishi mangwanani ekugara kwevana.
- Iwe unoronga kuchengetedza zviyero zvakawanda kusvika kuvhara mari yekoroji.
- Vana vako vanogona kuenda kuchikoro chepuraimari kana chekondari.
- Iwe unoda hupamhi hwekugadzirisana nekusarudzwa kwako kwekutsvaga.
- Iwe unowira pasi pemiganhu yekubhadhara kune vanopa ($ 95,000 nokuda kwemasero asina kukwana, $ 190,000 kune vakaroorana).
Mikana Inobatsira
Chinyanya kukosha cheCoverdell ESA ndechekuti inobvumira kuwedzera kwekuteresa kwezvinhu zvayo, pamwe nekuparadzirwa kwemitero kusina mari yekudzidzira mari.
Coverdell ESA inobvumirawo kugoverwa kwemitero kusabhadhara mitero yekubhadhara mari yepuraimari, yepakati, uye yepamusoro yezvidzidzo zvekuchikoro. Izvi hazvibvumirwi muChikamu 529 zvirongwa .
Zvingave Zvisingakanganisi
Chinhu chikuru chakaipa kuvabereki nevanoipa ndiwo murairo unoda kuti iwe uparidze Coverdell ESA pazera remakore makumi matatu kana kuti uchitakure kune mumwe mwana. Izvi zvinoreva kuti kana kuchine mari mubhuku uye vana vanogona kusarudza kusaenda kuchikoroji kana kuti havadi mari yose, mubereki angaguma aifanira kuzvipa kwavari.
Chii Chaunoshandisa Kutora Mari?
Coverdell ESA inogona kuiswa muzvikwama zvega, masangano, CD, kana mutual funds . Coverdell ESA haibvumirwi kutora zvivako zvivako, zvigadzirwa zvemidziyo, zvibatanidzwa, kana kushamwaridzana mumabhizimisi ega.
Ndeapi Mitero Yemutero Ungatarisira?
Hapana "kutora mutero" yekuisa mari muCoverdell ESA. Mipiro inogadzirwa ne "mushure mekuteresa" madhora uye haigone kuderedza mutero wako wemutero mugore raunopa.
Imwe mhindu yemitero yeCoverdell ESA ndeyokuti inobvumira kutereta kwekutsvaga kuunganidzwa uye kubhadhara mitero kusingabhadhara mari yakakodzera. Mune mamwe mazwi, haufaniri kubhadhara mutero kune ipi zvayo yekuwedzera kwegore rekutsvaga kwako kwepakutanga kana mari inoshandiswa kudzidzisa.
Ndezvipi Zvikwereti Zvakakodzera zve Coverdell ESA?
Mumwe muridzi weESA angatora kusarirwa mutero kusina mutero panzvimbo yemunhu anobatsirwa ne "akadzidzira" kudzidzisa mari. Mukuwedzera kune kojiji uye kuchikoro chekupedzisa, izvi zvinodhura zvinogona kuva zvepuraimari uye yekondari (zvidzidzo K-12).
I IRS ine mvumo yekutenderera kune zvingave zvinonzi semari yekudzidzisa, kusanganisira:
- Kudzidza, Chikamu, uye Bhodhi
- Makombiyuta uye mapuroteni (kunyange kana zvisingadiwi nechikoro)
- Mabhuku uye Zvimwe
- Kudzidzisa
- Kutakura
Ko Coverdell ESA Inogona Kushanda Yako Federal Financial Aid Kubvumirwa here?
Coverdell ESA inogona kukanganisa rubatsiro rwemari zvakanyanya, kana kwete zvachose.
Inobva kune uyo "muridzi" wenyaya yacho. Nenzira, "muridzi" anowanzoti munhu anogadzira iyo nhoroondo uye kwete munhu anozoenda kuchikoroji (ivo ndivo "vakagadzirirwa kubatsirwa").
- Kana mwana wacho ari iye muridzi wega uye iye akasarudzwa akawana uye achiri kutaridzika akazvimiririra kuvabereki, hapana chimwe chezvinhu chaanotarirwa pamusoro pemari yekubatsira.
- Kana mwana wacho ari iye muridzi wega uye akazvimiririra uye achionekwa seanomiririra nevabereki, 20% (izvi zvakaderera kubva pa35% muna 2007) zvezvinhu zvakatarwa pasina rubatsiro rwemari.
- Kana muridzi wacho ari mubereki, ipapo 5.64% yezviyo inonzi inorwisana nemari yekubatsira.
- Kana muridzi wacho ari sekurukuru, nhengo yemhuri yakakura, kana munhu asingabatanidzi, inofungidzirwa kuti zvinhu hazvirevi kurwisana nemari yekubatsira zvachose. Izvi zvinokonzerwa nekuti hapana nzvimbo yekuudza mari yevanhu kunze kwemubereki kana mudzidzi pane fomu yeF FAFSA.
Chiitiko Chinokosha: Mutemo muCongress unogona kuchinja uye kuchinja chero ipi zvayo zvinyorwa zvese munguva yemberi. Izvozvo zvinogona kusanganisira kuisa mari ye Coverdell ESA yevabereki kana kuchinja chero ipi zvayo. Iva nechokwadi chekutarisa nemudzidzisi wako wezvezvemari nokuda kwezvinhu zvitsva uye gara uchikwanisa kufambidzana nezviitiko kana ukasarudza kuisa muCoverdell ESA.
Eligibility
Chero munhu mukuru anogona kugadzira Coverdell ESA chero mwana upi zvake ari pasi pe18. Mwana, anozivikanwa se "akasarudzwa akawana", haafaniri kunge achifananidza nomunhu anovaka iyo account.
Contribution Rules
Coverdell yeAIDS yemwana inogona kugamuchira michero kusvikira kusvika kwekuberekwa kwegumi nemasere kunze kwekuti mwana anonzi "zvinodikanwa." Mupiro wegore negore wakabvumirwa unobhadharwa $ 2,000 pamunhu akapiwa rubatsiro, kwete kune mumwe munhu mukuru.
Kana mwana ane hovha yeCoverdell yakawanda (somuenzaniso, imwe yakagadzirirwa naamai nababa uye imwe nekurukuru), zvipo zvacho zvegore rakapiwa hazvikwanisi kudarika $ 2,000 pakati pekodha dzose.
Zvose zvinokwana $ 2,000 mupiro inogona kungoitwa chete nevarume avo " vakashandurwa kugadziriswa mari yakawanda " (kana MAGI) iri pasi peimwe mari yakawanda mugore ravanopa. Kana ruzivo rwavo rwuri pamusoro pemari iyi, asi pasi pe "denga," vanogona kupa mupiro wechechi.
Kune vateresi vanotaura mumwe chete, mukuru weimba, kana kuti akaroorwa achiisa chimiro chakasiyana:
- $ 95,000 (MAGI) kana zvishoma- Izvo zvizere $ 2,000 mupiro inobvumirwa.
- $ 95,000 - $ 110,000 (MAGI) - Mupiro wechechi unobvumirwa.
- $ 110,000 (MAGI) kana zvimwe- Hapana mupiro unobvumirwa.
Kune vateresi vanotaura kuti vakaroorana vakanyora pamwe chete chimiro:
- $ 190,000 (MAGI) kana zvishoma- Izvo zvizere $ 2,000 mupiro inobvumirwa.
- $ 190,000 - $ 220,000 (MAGI) - Mupiro wechechi unobvumirwa.
- $ 220,000 kana kupfuura - Hapana mvumo inobvumirwa.
Contribution Deadline
Mipiro ye Coverdell ESA yegore rakapera inofanira kuve yakagadzirwa nemubhadharo wekutora mutsara wekupedzisira, kusabatanidzwa.
Semuenzaniso, iwe unosvika musi waApril 15, 2017 kuti upe mupiro wegore rako rekutora ra2016 kunyange kana iwe ukaisa kuwedzerwa ne IRS.
Kubvisa Mitemo
Hapana mitero kana zvikwereti pazvikwereti zvakaitwa kuti zviwane mari yekudzidzisa mari, chero bedzi kusununguka hakupfuuri mari chaiyo yezvokushandisa. Kana mari yakawanda inodzingwa, chikamu chichava pasi pemitero uye zvikwereti.
Kurapa kweUneused Funds
Kana mari isingashandiswi, inofanira kugoverwa kune avo vanonzi vanobatsirwa pane iyo nhoroondo mazuva makumi matatu mushure memakore ekuberekwa kwemazuva makumi matatu.
Kuti udzivise izvi, IRS inobvumira mari kuti iende kune imwe Coverdell ESA kune mumwe munhu ane chokuita nevanotanga kuwana, ari pasi pemakore makumi matatu. Mamwe mapato akabatana anosanganisira nhengo dzomumhuri dzomugumisiro wepakutanga, vanoberekwa, vabereki, vanun'una, vanamainini, uye vanamunini, uye kunyange mu-mitemo!