Chimbofunga Chikamu 529 Plan yeKwana Yenyu yeChikoro
Chikoro chekubhadhara chikoro chinonyanya kukoshesa vabereki, vanasekuru navanasekuru, nevamwe vanodiwa. Kushandiswa kwekutsvaga kwakafanana neAkaunti yeChishanu 529 yekuchengetedza kunogona kukubatsira kuvaka pazvinhu zvako uye kuchengetedza mari yakawanda yekoroji yako yevana .
Mutungamiri wekutanga uyu achakupa muongorori wakanaka wezvakanaka uye kukanganisa kunobatanidzwa muchirongwa cheChishanu 529. Kana iwe uchidavira kuti chimwe chinhu chaunoshuva kupfuurira mberi, kurukurai sarudzo pamwe chete nemarongerwo emari yako kuti uwane zvinyorwa zvitsva zvehurumende yako uye ugamuchire rubatsiro pakusarudza kana chiri chakanaka chemhuri yako.
Chii Chikamu 529 Purogiramu Yokuchengetedza?
Chikamu 529 zvirongwa zvinoonekwa seimwe yenzira dzakanakisisa dzekuchengetedza dzidzo yekoroji yemwana. Vanonzi "Chikamu 529" zvirongwa mushure meRS code chaiyo inobvumira kushandiswa kwavo.
Kune marudzi maviri eChirongwa 529 zvirongwa: maakaunti ekuchengetedza uye zvirongwa zvekubhadhara zvikoro. Nyaya ino inonyatsotsanangura Chikamu 529 kuchengetedza maakaunti.
Nhoroondo yeCape 529 yekuchengetedza inobvumira mushure mekubhadhara mitero inofanira kuitwa panzvimbo yemunhu akapiwa rubatsiro (kwete mwana chete). Mipiro iyi inobvumirwa kukura mitero-inoderedzwa uye inokwanisa kuregererwa musero musingabhadhara mari yekudzidzira mari.
Ndiani anonzi Ideal Investor weChipiri 529 Purogiramu Yokuchengetedza?
A Chikamu 529 chirongwa chekuchengetedza chiri chakanaka kune vabereki kana vanasekuru navanamai vane humwe hutano hwezvinhu zvinotevera:
- Iwe unoda kuchengetedza kudarika $ 2,000 pagore.
- Iwe unorarama mune imwe nyika inopa hutori hwekubhadhara mutero wehurumende yekupa chikamu kune chirongwa cheChipiri 529.
- Iwe unopa mari yakakwana kuti usakodzerwa kubva pakushandisa Coverdell ESA .
- Une vana vakawanda vane tariro yokuti vose vachaenda kuchikoro.
- Iwe unotanga kuronga kwekolishi munguva yeupenyu hwevana.
- Iwe uri kuronga kuchengeta mari yakawanda yemari kuchikoro chekoroji .
- Iwe unotarisira kuti vana vako vauye kupinda purogiramu dzinodhura zvidzidzo.
- Iwe unoda rusununguko rwekudzikinura iyo zvinhu chero chikonzero chipi zvacho chaunosarudza.
- Iwe unoda kubhadhara koroji yako yaunoda asi zvichikosha kuderedza ukuru hweimba yako.
Mikana Inobatsira
Kubhadhara mitero yakasarudzwa uye kushandiswa kwemitero isingabhadharwi inosanganiswa neChechi 529 inoita kuti ive inokwezva kune vanhu vanoda kuwedzera kukura kwekoroji yavo yekuchengetedza.
Kunyange zvazvo dzimwe zvirongwa (zvakadai seCoverdell ESA) zvinopa izvi, Chikamu 529 chinobvumira mubereki kana mupiro kuti arambe ari kutarisira zvinhu zvachose. Izvi zvinovabvumira kuti vavhare urongwa uye vadzorere mari yavo zvakare (zvichienderana nemitengo).
Uyezve, zvirongwa zveChechi 529 zvinopa mu--mutengo wekubhadhara mutero mumatunhu 35 akasiyana. Vanogonawo kudzivirirwa kubva kune huwandu hwehupfumi hwehupfumi hwehurumende.
Zvingave Zvisingakanganisi
Kunyange zvazvo kune zvishoma zvishoma kune zvikamu zveChirungu 529 pane dzimwe dzakawanda dzakawanda, pane vamwe vachiri kuziva. Chikuru ndechekuti kuparadzaniswa kubva muChechi 529 zvirongwa zvekutanga-kwedzigori (makero K-12) hazvifungidziri kuti zvinoshandiswa mari.
Kuwedzerwa, kusarudzwa kwekutsvaga kwekutsvaga muChikamu 529 kunogona kugoverwa kune 10-30 mutual funds. Mimwe mhando dzeakabhadha inenge inenge iyo yose mutual fund yose inowanika kutenga.
Chii Chaunoshandisa Kutora Mari?
Chikamu 529 zvirongwa zvekuchengetedza zvine mapeji ekugadzirisa zvekugadzirisa mari yekugadzirisa kusarudzwa. Kazhinji kazhinji, chirongwa cheChishanu 529 chirongwa chichabvumirana nekambani yehurumende yekugadzirisa hurongwa. Nekudaro, mari iyi yemakambani ichave iyo yakawanda yekusarudzwa kwekutsvaga mari.
Zvizhinji zveChirongwa 529 zvekuchengetedza zvirongwa zvinopa "mazera-ezve" ekutsvaga kwekutsvaga, izvo zvinopa mari yako pakati pezvikwereti , zvisungo , uye mari yemusika mari yakatarwa nezera remwana wako. Sezvavanokura, mari yacho inowedzera kunyatsochengetedza mukusanganiswa kwayo.
Iwe unobvumirwa kuchinja yako yekutsvaga sarudzo kamwe chete mumwedzi gumi nemana. Kusiyaniswa kunoitwa kana iwe uchitora zvinhu zvako kubva pane imwe chirongwa chehurumende kuenda kune imwe kana kupora chirongwa cheChechi 529 pane kune mumwe mupi anowanikwa.
Ndeapi Mitero Yemitero?
Chikuru chekubhadhara mutero weChirongwa 529 ndechekuti inobvumira kutereta kwekutengesa kusungirirwa uye kusunungurwa kwemitero kusingabhadhari mari.
Mune mamwe mazwi, haufaniri kubhadhara mutero kune ipi zvayo yekuwedzera kwegore rekutsvaga kwako kwepakutanga kana mari inoshandiswa kudzidzisa.
Hapana hurumende "kubhadhara mutero" yekuisa mari muchirongwa cheChishanu 529. Mipiro inogadzirwa ne "mushure miteere" yemadhora uye haigone kuderedza zvaunokwereta IRS.
Zvisinei, makumi matatu makumi matatu nemashanu, kusanganisira District of Columbia, inopa mubhadharo wemitero kune vagari vayo kuti vabatsire chirongwa cheChipiri 529. Kakawanda, kubviswa uku kunogumira kushandisa hurongwa hwehurumende yako.
Uyezve, chirongwa cheChishanu 529 chinobvumira mamwe maitiro akanaka ekugadzirisa emitero emhuri kumhuri dzinoedza kudzivisa kutora mitero.
Ndezvipi Zvikodzero Zvinokodzera?
Mumwe muridzi wekambani angatanga kugovera kusingabhadhara mutero panzvimbo yemunhu anobatsirwa nekodhiji yekoroji kana kuti akapedza chikoro chemari (mune dzimwe nyika). Kusiyana neCoverdell ESA, dzidzo yepuraimari uye yekondari haisi mari yakakodzera mune zveChirongwa 529.
I IRS inotonga chikamu 529 chekubhadhara mari, iyo ichiri kusununguka, iri yakasimba kudarika Coverdell zvakare:
- Chidzidzo
- Gara uye Bhodhi (mudzidzi anofanira kunyora chikamu hafu yenguva)
- Makombiyuta / Laptops (chete kana chikoro chinovada)
- Mabhuku uye Zvimwe (sezvaidiwa neyunivhesiti)
Chikamu 529 Impact Federal Financial Aid Inogadziriswa Sei?
Chikamu 529 nhoroondo dzekuchengetedza dzinenge dzisingabatsiri mune rubatsiro rwezvemari yehurumende, sezvo inonzi inofanirwa nemubereki. Sezvo zvakadaro, 5.64% yehuwandu hwavo hunoverengwa maererano nekutambira rubatsiro rwemari.
Uyezve, vamwe vanotaura zvachose Chikamu 529 mari kubva mukukodzera kwehurumende-mari inobhadhara mari.
Kana muridzi wacho ari sekurukuru, nhengo yemhuri yakakura, kana munhu asingabatanidzi, inofungidzirwa kuti zvinhu hazvirevi kurwisana nemari yekubatsira zvachose. Izvi ndezvokuti hapana nzvimbo yekuzivisa zvinhu zvinowanikwa nevamwe vanhu kunze kwemubereki kana mudzidzi pane fomu yeF FAFSA.
Eligibility
Chikamu 529 zvirongwa zvekuchengetedza zvine mitemo yakakwana yekugadziriswa yemotokari yekuchengetedza koroji. Chaizvoizvo, chero munhu anogona kuzarura uye kugovera chirongwa cheChishanu 529 panzvimbo yemumwe munhu wese, pasina hanya nezera, mari, kana ukama hweimwe sangano.
Contribution Rules
Muganhu wega wekugoverwa pamugove wezvipo ndiwo "muganhu weupenyu" kuburikidza nemubatsiri, unogadzirirwa nehurumende yega yega. Uyu muganhu unoreva kuchengetedza vanhu kubva mukunyanya kudarika-kubhadhara keroji yekuchengetedza koreji kupfuura izvo zvinodikanwa chaizvo. Iyi muganhu weupenyu huri pakati pe $ 100,000 kusvika kune $ 300,000 uye ichasiyana kubva kune imwe nyika kuenda kune imwe nyika.
Uyezve, vatsigiri vanofanira kuve vanoziva mitemo yemitero yezvipo pamusoro pemipiro mikuru. Kazhinji, chipo chepamusoro $ 12,000 kune umwe kunze kwemumwe wako chinoda kuti iwe upe chipo chekubhadhara mutero gore iroro.
MuChishanu 529 zvirongwa, pane urongwa hunokosha hunobvumira vanhu kuti vawane mari yemakore mashanu (mamiriyoni 60,000 pamunhu mukuru / muwanano) muurongwa mugore rimwe chete kune mumwe munhu anobatsirwa, pasina chikwereti chemutero pamari.
- Chipo chemari iyi chinoda sarudzo yakasarudzwa inofanira kuitwa paFomu yeBurumende 709 mugore rekupa chipo.
- Chero zvipi zvimwe zvipo kumunhu iyeye mumakore mashanu anotevera, kunyange kana zvisingaiti muurongwa hweChishanu 529, zvingangoita kuti atore chipo chemari pane mari yakawandisa.
Contribution Deadline
Hapana nguva yekupedzisira yekupa chikamu cheChipiri 529.
Kubvisa Mitemo
Hapana mitsara kana zvikwereti pazvikwereti zvakaitwa kuti zviwane mari yekudzidzisa mari, chero bedzi kubviswa kwacho kusingapfuuri nemari chaiyo yezvikwereti zvinodiwa. Kana mari yakawanda inodzingwa, chikamu chichava pasi pekubhadhara uye chikamu chechikamu chezana (izvi zvinogona kubviswa mune dzimwe nguva).
Kurapa kweUneused Funds
Hapana mimwe mitemo kana zviyero zvezera panguva apo Chikamu cheZvitsa 529 chinofanira kushandiswa. Kana pasina chikamu chechikamu cheChishanu 529 chomumwe munhu, chinogona kuenderedzwa kune imwe yenyaya yevadzidzi yeramangwana. Izvi zvinosanganisira nhengo dzomumhuri dzekutanga dzinobatsira, vabereki, vanun'una, vanamainini uye vanamunini, uye mu-mitemo.