Kutanga chirongwa cha 529 Chinobatsirika Chisinganyanyi kuoma
A 529 chirongwa chokuchengetedza koroji inogona kuva chinhu chinobatsira pakuronga kune iyo mari.
Zvirongwa izvi zvinopa nzira inobhadhara mitero yekuchengetedza yekoroji, kutanga kubvira pakuzvarwa. Iko 2017 Imitero yeMitero uye Jobs Act munguva pfupi yapfuura yakawedzera mitemo yezvirongwa 529, zvichibvumira vabereki kuti vadzoke kusvika ku $ 10 000 pagore kubva kunezvirongwa izvi zvepachivande kana chechitendero chemari yepuraimari uye yechikoro chekondari.
Asi chii chinoitika kana mudzidzi wako asingashandisi mari yose yawakachengetedza purogiramu ye 529 nokuda kwavo? Kana, zvakadini kana vakasarudza kusaenda kuchikoro zvachose? Kazhinji, kuregerera kubva kune chirongwa chekuponesa 529 chechinhu chero chipi zvacho kunze kwekudzidzira mari yekudzidzira kunogona kuiswa kune 10 muzana mutero wekutengesa uye mutero wenguva dzose wemari. Pane, kunyange zvakadaro, mhinduro yekudzivisa kutora mutero: kuchinja chirongwa chekuwana mari.
529 Shanduro Inobatsira Mitemo
IInternal Revenue Service (IRS) ine mazano akajeka ekushandura muwani wepurogiramu yekuponesa 529. Nenzira yakanaka, kuita shanduko haisi yakanyanya kuoma.
Chinhu chinonyanya kukosha chaunofanira kuchengeta mupfungwa ndechokuti mutsva anogadziriswa anofanira kunge ari munhu akakodzera. Munhu akakodzera inhengo yemhuri yemubatsiri. Icho chinosanganisira:
- Ivo vavo
- Vamu-mitemo yavo, kusanganisira amai vamwene, baba-mbuya, mukwambo kana mukomahwa
- Vana vavo, kusanganisira danho-vana, vana vanorera kana vana vanorerwa
- Vanin'ina vavo, kusanganisira nhanho-vakoma
- Vakomana vavo kana vazukuru
- Vanamainini nababamunini
- Vazukuru vekutanga
Yeuka, kuti semuridzi webhuku, hausi iwe unobatsira. Asi, kana iwe uri kutora chirongwa chekuita mari kune mumwe munhu, iwe unogona kuzvisarudzira iwe kana mudzimai wako kuti ave mubhadhari achienda mberi. Kana mwana wako ane mubereki wekubatsira, anogonawo kunzi zita rekubatsira.
Chero bedzi muwanikidzi mutsva anozadzisa zvido zvekuve nhengo yemhuri yekare yevakabatsiri, hapana mutero wekubhadhara unokonzerwa. Asi, kana iwe uri kutumira 529 kune ani zvake asingakodzeri mhando yemhuri, inorapwa semunhu asina kukodzera kubvisa . Muchiitiko ichocho, zvose zvinenge 10 muzana chirango uye mutero unowanikwa pamutero unogona kushanda.
Nzira Yekushandura Purogiramu Inobatsira 529
Kuita shanduro ye 529 yevabatsiri yakajeka seyokuzadza mapepa akakodzera pamwe nemurongwa weurongwa. Iwe unofanirwa kupa zita rako uye nhamba ye Social Social, uyewo mazita uye Social Security nhamba dzevose varipo zvino uye vatsva vanobatsirwa. Iwe unofanirwa kuratidzira ukama huri pakati pevatsigiri vaviri, mari yauri kutumira, uko mari iyi inofanira kuendeswa kune uye kuti iwe unoda sei kuti iite mari.
Iwe une sarudzo yekushandura mutevedzeri wemubhadhari pane imwe nhoroondo iripo kana kugadzira hurongwa hutsva hwemakumi mashanu nemashanu, huchagamuchira kuendeswa kwechinzvimbo chemuwani wako mushandi. Kana uri kutora mari kubva pane imwe chirongwa cha 529 uye uchichiendesa kune imwe, zvakanakisisa kuva nemurongi wepurogiramu iye zvino apedzisa mutengesi iwe. Kana iwe waizotora kugovera kubva kune chirongwa cha 529 zvakananga uye ukakundikana kuipinza muurongwa hutsva mumazuva makumi matanhatu, mutengesi waizova seusingawanikidzi kubhadhara mari.
Chikonzero nei kuchinja vanobatsirwa kunoita kuti uzive
Kusiyana nedzimwe chikoro chekuchengetedza mari, Accountdell Education Savings Account , mapurogiramu 529 haafaniri kuisa muganhu wei nguva yaunogona kuchengetedza. NeCoverdell ESA, somuenzaniso, unofanirwa kubvisa mari yose nemubatsiri wekuzvarwa kwemazuva makumi matatu; Kana zvisina kudaro, iwe uchatora chikwereti chakakura chemutero pane chero mari yakasara.
Kukwanisa kuchinja vanobvumirana neurongwa we 529 hakungokubvumiri kuti usabhadhara mitero asi, inobvumirawo mari yako kuti irambe ichikura pamutero-unobatsira. Kana mwana wako, semuenzaniso, akapedza kudzidza yekoroji ane $ 20 000 achiri muchirongwa chavo cha 529, iwe unogona kuzviti iwe seunobhadharwa kwenguva pfupi uye unoramba uchiita zvipo nguva dzose. Kana vachinge vaine mwana wavo pachavo, iwe unogona kutumira chirongwa kwavari pane. Panguva ino, iyo nhoroondo yakawedzera muhukuru, zvose kuburikidza nemigiro yako yenguva dzose uye kudzoka kunowanikwa nemari yako.
Yeuka Kudzokorora Sarudzo Yako Yekubhadhara
Zvirongwa zvevanhu 529 zvinogona kusiyana zvakasiyana maererano nekuchengetwa kwekuchengetwa kwemari, asi chinangwa-mari yezuva ndiyo yakasarudzwa. Iko mari inosanganisira purogiramu yekugadzirisa kwezvinhu zvakagadziriswa iyo inogadzirisa kwenguva yakareba sezvo mupi wezvakagadzirirwa anoswedera pedyo nezera remakoreji. Kana uri kutumira account ye-529 kubva pajiji yako yemakore makumi maviri nemaviri ekuberekwa kwako kumwana wavo wemakore mashanu, iwe uchada kuvandudza mararamiro ako ekugoverwa kuratidza nguva yavo yakareba kusvikira vaenda kuchikoro. Uye, sezvo iwe uchiongorora mari yakasiyana-siyana, tora nguva yekuongorora mari uye kushanda kweumwe neumwe kuti uwane mukana wakakodzera pakati pemari uye kudzoka.