Mitemo uye Nhungamiro yeChikamu 529 Zvirongwa
Zvisinei, kubatsirwa kukuru, kunouya kana yava nguva yokuti mudzidzi atange kushandisa kukijiji.
Kuziva kuti kune mari yakagara yakachengetedzwa nekuda kweizvi inoita sangano rose rekushandira rubatsiro rwemari nekutsvaga zvidzidzo zvisinganyanyi kunetseka.
Kusati kwauya kwezvirongwa zveChishanu 529, vabereki vaida kuponesa dzidzo yevana vekoroji vakanga vasina zvingasarudzwa.
Izvo zvingasarudzwa zvishoma nezvishoma kana zita romwana kana kuti vabereki rakapinda panhoroondo. Zvose zvakashandurwa muna 1996 apo Congress yakaparidzira Bhizinesi reBusiness Business Protection Act. Sechirongwa chechiito ichi, Chikamu 529 makoroji ekoroji akaumbwa. Iyi nhoroondo inopa vabereki kutarisa mitero inobatsira yekuchengetedza mari kumakoroji, uye vachiri kuvabvumira kuti varambe vachidzivirira kusingaperi pamusoro pezvinhu. Heano mamwe mazano anonyanya kukosha kuti uzive kana uchitarisa zvirongwa 529 zvekubatsira kuchengetedza kukoreji:
Kubatsirwa uye Kubvumirwa
Mitemo yekufanirwa inopoteredza Chikamu 529 zvirongwa zvinowedzera zvakasununguka pane izvo zvakapoteredza mamwe magetsi ekuchengetedza saRoth IRAs.
Chero ani zvake anogona kupa chikamu pane chirongwa cheChishanu 529, pasinei nemari yavanoita; zvisinei, vanodikanwa kuti vazive zvikwereti zveSpa zvipo, uye vanzwisise kuti zvipo zvakakura zvingakanganisa sei pakupedzisira mitero.
Vabereki uye vamwe vanoda kuisa mari kunze kwekoroji mari dzinoshandisa iyo mitero-inobhadhara mari yekuisa mari, vachiziva kuti kuwedzera kupi kwezvinhu izvi hakuna rusununguko rwehurumende uye hurumende yemitero.
Zvose zvinorega kushandiswa pamari yepamusoro yezvidzidzo zvepamusoro zvinoregererwa kubva kumabhadharo emitero yehurumende. 33 inotaura uye Chirongwa cheColumbia uyewo inotora mitero yehurumende pamusana pekutora, pamwe nekupa zvimwe zvipo zvinokurudzira.
Distributions
Pakuzarura nhaurwa yeChishanu 529, mubereki kana muridzi webhuku anodiwa kuti asarudze munhu anobatsirwa. Uyu "anogadziriswa anobatsirwa" kazhinji mudzidzi uyo achazoenda kuchikoro.
Apo kugoverwa kunowanikwa kubva kuhwandu yekodzero yekudzidzira mari yekuwana muwani uyu, hapana chekubhadhara pamusoro pekukura kwekutsvaga kwekutanga. Mari yekudzidzira inotsanangurwa zvakajeka muChikamu 529 zvirongwa uye inogona kusanganisira zvinhu zvakadai saunifomu, mabhuku, uye kunyange kutfambisa.
Kana kugoverwa kusingatariswi kwakakodzera, zvino Federal federal mutero ichave yakakonzerwa nekukura kwemari yakaparadzirwa, uye inogona kuwana 10 muzana chirango.
Ubereki Flexibility
Kana munhu akapiwa rubatsiro haaendi kukoreji, kana mari inoramba isingashandiswi, mubereki kana muridzi webhuku angashandura mutengi-somuenzaniso kune muzukuru kana shamwari. Mitemo ye IRS inonyanya kushanduka uye inobvumira muwanikidzi kuti ashandurwe kuva chero nhengo yemhuri, pamwe chete nevana vemunhu wepakutanga.
Migumisiro paMari yeHedheni Kubvumirwa
AChishanu 529 nhoroondo inowanzoonekwa semafambisi emubereki, izvo zvinoreva kuti 5.6 muzana yehuwandu inotarisirwa kushandiswa kuchikoro. Izvi zvinopa ruzivo rwakanyanya pamusoro peGMA / maATMA ekuchengetedza maakaiti, izvo zvinoda kuti 20 muzana yemafumi ishandiswe kuchikoro.
Chikamu 529 Vanopa
Purogiramu imwe neimwe yehurumende ye 529 yakasiyana zvakanyanya, uye mazhinji nyika inoshandisa vatungamiri vezvikwata zvakasiyana-siyana kuti vatarisire mari yemari. Zvaunoshandisa zvekutsvaga kwekutsvaga zvinowanzotarisirwa kune mari inobhadharwa inopiwa mukati megadziriro imwe neimwe yakasiyana Nepo iwe unogona kushandisa sarudzo ipi yekuenda kuchikoro mune imwe nyika, unofanirwa kuongorora kana kana kuti kwete hurumende inobhadhara mitero inogona kushanda kwauri.
Summary
Chikamu 529 Mapurogiramu eCycle Savings anofanira kunge ari pamusoro pezvinyorwa kune vabereki nevamwe vanoda kuchengetedza dzidzo yeadikani.
Kunyange zvazvo kune mamwe mimwe mitemo inoda kunzwisisa, mutero wekubhadhara uye umwene hunoenderana nekugadzirisa kwezvirongwa izvi zvinoita kuti zvive zvakakodzera nguva yekutsvaga. Kunyanya, iwe pakupedzisira uchava nekugutsikana kwekuona mudzidzi wamubatsire kufamba mutsara iwoyo uye kugamuchira diploma kusvika nguva yekudzidzira.