Purogiramu yePennsylvania yePovens 529

Dzidza Pamusoro Pezvipo Zvemitero yeAkaunti yePA529

Kana iwe uri muPennsylvania ari kugara iwe anoronga kuisa mwana kuburikidza nekoroji rimwe zuva, iwe unogona kutanga mari yako yekugadzira ikozvino nokudzidza pamusoro pemutero wekubhadhara kwehurumende yehupfumi yehurumende ye 529. 529 Zvirongwa zvinopa mitero-inobatsira nzira yekuchengetedza mari. Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo.

Kuiswa kwezvikwata kwakaitwa munhoroondo idzi kunokura pasina mari yehurumende uye yehurumende inotora mitero. 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.

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. Purogiramu yePennsylvania inosanganisira zvirongwa zviviri:

• Pennsylvania 529 Purogiramu Yokuchengetedza Yakagadziriswa (GSP): Iyi ndiyo ngozi yakaderera, yakagara yakabhadharwa chirongwa chakagadzirirwa kubatsira rubatsiro rwako kuti ruchifambidzana nekukura kwechikoro. Vanhu vePennsylvania vanowana zvikwereti zvinowedzera kukosha kupfuura nguva yekuongorora chiyero chechikoro chinowedzera mune chimwe chezvikoro zvechikoro zvakasarudzwa sezvinosarudzwa neavo vanotora. Kana iwe ukachengetedza zvakakwana semester pane imwe yemayunivhesiti enyika nhasi, uchave wakakwana semester pachikoro ichocho mune ramangwana - pasinei nokuti nguva yakawanda kana kuti chikoro chakakwira sei panguva ino. Iyo nzira yakanaka yekuchengetedza, kunyange kana iwe usati uri guru guru rezvemari nokuti wePennsylvania Treasury Dhipatimendi inoita basa rokutsvaga iwe.

• Purogiramu yeNyika yePennsylvania 529 (IP): Pano iwe unogona kusarudza kubva pakusarudzwa kwakasiyana siyana kwekutsvaga kwakapiwa neVanguard Group. Mari dzinokonzerwa nekuchengetedza kuva nehuwandu kana hutsinye mukushambadzira kwavo kusvika. Iwe unowedzera sei iwe iwe. Chero ani zvake anogona kuzarura kambani yePPA 529 yePI ine zvishoma se $ 25 uye kupa mipiro ye $ 25 kana kupfuura kana iwe uchida. Payroll kubviswa uye zvirongwa zvekutsvaga kwekutsvaga zvirongwa zvinoponesa kunyange nyore.

Kubatsirwa kwePennsylvania 529 College Savings Plan

Purogiramu yePennsylvania yePencil ine ruzivo mune dzimwe nzvimbo - mutero, rubatsiro rwemari, uye nhaka. Munzvimbo yemutero, Pennsylvania vateresi vanogona kutora kusvika madhora 14 000 muzvipo kune mapurogiramu 529 mumwe nomumwe anowana gore negore, kana $ 28,000 kana vakaroorana vachiisa pamwe chete, vachifunga kuti mumwe nomumwe wavo ane mari inenge madhora 14 000.

Iyi mari inoderedza pesa yavo yePennsylvania inokonzerwa nemari yezvinangwa zvekugadzirisa mitero yavo yemari inowanikwa. Mupiro wemugove wepamusoro wevose vePennsylvania zvirongwa ndeye $ 511,758. Vanhu vemuPennsylvania vanogamuchirawo kubhadhara mutero kwekupa chikamu chePurogiramu 529 mune imwe nyika, kana iwe ukawana mukana kune imwe nyika iyo yakakosha pane zvaunoda.

Kana iri kuuya kune rubatsiro rwezvemari, chirongwa chePennsylvania hachiverengi zvinhu mune imwe nhoroondo ye 529 apo kuverenga rubatsiro rwemari kune vagari venyika, kusiyana nemapurogiramu akawanda 529. Iko kukosha kose kwekodhe yako kunobviswawo kubva kuPennsylvania nhaka yemutero. PA 529 mari inodzivirirwa kubva kune vane chikwereti muPennsylvania, asi zvinhu zviri kunze kwenyika zvirongwa hazvina kudzivirirwa.

Chimwe chikomborero chinoshamisa kune mapurogiramu ePA 529 ndeye SAGE Scholars Tuition Rewards program, iyo inopa ruzivo kukwidziridza ku 300+ makoroji ega ega munyika yose, kusanganisira kupfuura 50 muPennsylvania.

Zuva roga roga iwe unowana Mubayiro Mipiro yakaenzana ne2,5% yehuwandu yeA PA 529 account, iyo inowedzera kusvika 10% pagore. Nhamba imwe neimwe inokwana $ 1.00 mune zvidzidzo pazvikoro zvevadzidzi veSAGE.

Kutaura kuti Pennsylvania 529 Deduction

Vanhu vemuPennsylvania vanoedza kusarudza kana kushandisa chirongwa cheChirungu 529 kune mamwe marudzi emakorokota ekoroji inofanira kuita kuti mari inokonzerwa nekodzero yekupa chirongwa cha 529. Tichifunga kuti Pennsylvania ine hupfumi huripo huwandu hwemitero inokwana 3.07 kubva muzana, kubviswa kwega kwe $ 14,000 kunogona kuchengetedza mutero kune $ 429.80 panguva yemitero.

Vagari vanogona kutora muPennsylvania 529 kugadziriswa kwemutero wepurogiramu paPA-40 Purogiramu Y O Form. Zvimwe zvinowanikwa pamusoro pekudhonza kwePennsylvania zvinogona kuwanikwa pane webhusaiti yePennsylvania Revenue Revenue uye iyo yepamutemo PA 529 Network website.