Ndezvipi Zvinobatsira zveIndiana 529 Zvokuchengetedza Zvirongwa?

Iwe Unogona Kuwana Mari Inokosha Yekwereti

Mhuri kuisa pamwe purogiramu yekuchengetedza kojiji inowanzotarisa 529 Plans, iyo inopa mitero-inobatsira nzira yekuchengetedza mari, sechisarudzo chaungaita. NePurogiramu yeAponesi 529, mhuri dzinogona kutanga kugovera kumari yekoroji yemwana pakarepo mwana paanenge aberekwa. Kuburikidza nemipiro yenguva dzose kubva kuvabereki, nhengo dzemhuri neshamwari, iyo nhoroondo inokura kudarika nguva, kusvikira paine zvakakwana kubhadhara dzidzo yemwana.

Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo. Kuiswa kwezvikwata kunowanikwa munhoroondo idzi kuchakura pasina mari yehurumende uye yehurumende yemitero. 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.

Kunze kwekubatsira kwayo kuchengetedza, mapurogiramu 529 anopawo zvikwereti zvinokosha pamitero pamwe chete. 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.

MuIndia, vanobatsirawo vanowanawo chikwereti chemitero; kana iwe ukasara, iwe unogona kuwana 20% yemupiro wako, kusvika ku $ 1 000, semutero wechikwereti.

Izvi zvinogona kuva nzira inobatsira yekuderedza zvaunokwereta munguva yemutero. Vateresi vanoti mari yekwereti yemitero pamipiro inofanira kuchengetedza kambani yakazarurirwa kwegore rimwe chete kuti irege kudzivirirwa kwekwereti yemutero pamabhadharo anoshandiswa kubhadhara mari yakakwana yezvedzidzo.

Indiana ine zvinhu zvitatu zvinogona kuwanikwa kuburikidza neCollectChoice 529 Direct Savings Plan:

• CollegeChoice 529 Purogiramu Yakakwana Yokuchengetedza: Iri chirongwa chinopiwa zvakananga kubva kuhurumende. Inopa sarudzo yakasarudzwa uye yakasiyana-siyana. Iyi chirongwa ine mari yakakwirira kudarika chiyero chenyika, asi ine nhoroondo yakasimbiswa yekudzoka kwakanaka.
• CollegeChoice Advisor 529 Urongwa Hwokuchengetedza: Chirongwa ichi chinotengeswa chete kuburikidza nemudzidzisi. Kune zviyero zvekare uye zvakashata. Kana ukasarudza kusarudzwa kwezera, rinotanga nechisimba, uye huwandu hutsva muzvikwata. Sezvo mwana ava nemakore uye achiswedera pedyo nekoroji, mari inowanikwa yakawanda inodzivirira kuchengetedza mari yakapiwa. Iyi chirongwa ine mari yakakwirira, asi nekwereti yemitero uye kudzoka kwakasimba, ichi ichiri chisarudzo chakanakisisa chekutsvaga.
• CollegeChoice CD 529 Purogiramu Yokuchengetedza: Zvimwe zvinokwana FDIC-insured zvinoshandiswa mune chirongwa ichi: (1) Chikoro cheClassCure ine chikwereti chechirwere chakasiyana-siyana chakaiswa kune imwe yega-yekorosi yenzoro, chikamu chekuwedzera kweS & P 500 Index pamusoro pemakore mashanu, (3) maCD akachengetwa ane gore rimwe chete kana kuti makore matatu ekukura, uye (4) Account Honors Savings, kero yakachengetwa yakachengetwa inowanikwa kubva College Savings Bank, Chikamu cheNexBank SSB.

Iko mari shoma yaunotanga kutanga nayo yakaderera zvikuru, $ 25 chete. Izvi zvinobvumira mhuri kuti iitange kunyange nemari yakaderera. MuIndia, zvirongwa 529 zvinogona kuva ne $ 298,000. Chero ani zvake anopfuura makore gumi nematanhatu, uyo anenge ari mugari weUnited States kana mutemo anogaramo, anogona kupa michero kune chirongwa, kunyange kana vachigara kunze kwehurumende.

Indiana haina misizhonga yemakore, uye hairevi mudzidzi kuti apinde koreji mune imwe nguva yemakore apedza kudzidza. Kana mwana wako akasarudza kushanda kwemakore mashomanana asati apinda kuchikoro, chirongwa chekuponesa 529 chichagara panzvimbo yake kuti ashandise. Kana mwana wako akasarudza kuti haadi kuenda kuchikoro zvachose, kuchengetedza kunogona kushandiswa. Iwe unogona kuchinja chirongwa chebatsiro chero nguva, saka iwe unogona kupa mari kune imwe hama, mukomana kana shamwari yezvedzidzo zvekudzidzisa.

Kana iwe ukabvisa mari yako pane zvaunoda, kunze kwedzidzo, pangangodaro kune zvikwereti zvakanyanya zvemitero. Iyi sarudzo inofanira kuitwa nekutarisirwa, sezvo zvikwereti nemitero zvinogona kutora chikamu chikuru chemari yako.

Kutanga chirongwa chekuponesa kweIndiana 529 chinokupa matombo ekudzorera kwauri uye zvinangwa zvevana vako zvekudzidzisa.