The Rhode Island 529 Chirongwa Chekutsvaga kweRI Vagari

Mitemo yekudaidza $ 500 Imari Imitengo Yokudhonza Kwemari neRI 529 Plan

Mhuri iri kuronga kuisa pamwe chirongwa chekuchengetedza kukoroji kazhinji inotarisa 529 Zvirongwa, izvo zvinopa nzira inobhadhara mitero yekuchengetedza mari, sechinhu chisarudzo. Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo. Kuiswa kwezvikwata kunowanikwa munhoroondo idzi kunobvumirwa kukura kusunungurwa kwemitero yehurumende uye yehurumende.

Uyezve, zvose zvinodhonza zvinoshandiswa pamari yepamusoro yemari inoshandiswa hazvibvumirwi nehurumende yemutero wemari. Mamwe makumi matatu nematatu anotaurawo kuti anotora mitero yehurumende paanotora mari, pamwe chete nekupa zvimwe zvinokurudzira. Zvimwe zvikomborero zvepurogiramu 529 dzinosanganisira:

• Nhoroondo yacho inotarisira kuchengetedza zvinhu mukati meprogram pasinei nezera rekubatsira.
• Zvizhinji zvezvirongwa zvine zvakaderera zvishoma pamwedzi pamiganhu yemipiro.
• Mubhadhari anogona kuchinjwa panguva ipi neipi kune imwe nhengo yemhuri yevabatsiri.
• Mari inogona kushandiswa kunenge imwe yekoroji yakagamuchirwa munyika uye inogona kushandiswa kubhadhara mari yakasiyana-siyana yekoroji, kusanganisira chikoro, nzvimbo, bhodhi, mabhuku, mari, zvinhu uye zvinoda midziyo.
• Nhaka dziri mukati meurongwa hwa 529 dzinodzivirirwa kubva kubhadhara.
• Vashandi veAkondomu vanogona kuita mari yemari inobhadharwa kusvika ku $ 70,000 kune vanobhadhara kana $ 140,000 kana vakaroorana vachiisa pamwe chete uye vachidzivisa kutora Chipo Chipo pamutengo uyu nekusarudza kushandisa makore mashanu emutero wegore negore usingabatanidzi vose mugore rimwechete.

Pakambotaurwa kunonzi CollegeBoundfund, Rhode Island ikozvino inopa maitiro maviri e 529 College Savings Plans pasi pezita rakasiyana. Zvirongwa zvose izvi zvinotungamirirwa naAscensus College Savings, iyo yakatsiva AllianceBernstein semutungamiri wepurogiramu muna 2016. Yakasimbiswa 529 chirongwa chekuchengetedza kojiji yekodhi chinoshandisa mari shoma, yakawanda yezvokushandisa zvekutsvaga uye nekuvandudza kushandiswa kwevatengi kune vanopfuura 18,000 Rhode Islanders neCollecound accounts.

• CollegeBound529 : Ichi chirongwa chevatengesi-chakatengeswa chinosanganisira Invesco mutual funds ne ETFs.
• CollegeBound Saver : Ichi chirongwa chinotengeswa zvakananga chinoshandisa mari kubva kuInvesco, Vanguard, uye BlackRock.

Mipiro yeRhodde Island 529 chirongwa chema $ 500 pagore nemunhu uye kusvika kumadhora 1 000 pagore kune vakaroorana vakaroorana vanyoresana pamwe chete vanobviswa mukutora Rhode Island mubhadharo wekubhadhara, nechisingaverengeki chekuita mari yakawanda. Izvi zvinoreva kuti kana vaviri veRhode Island vachiisa hutano huripo vanopa mari inodarika madhora 1 000 nokuda kwevanokodzera vanobatsirwa kana vana, ivo vachiri kungobvumirwa kutora mari yakawanda ye $ 1 000 pamutero wavo wekubhadhara mune chero ipi zvayo yakapiwa mutero wegore. Izvo zviyero, zvisinei, zvinogona kutungamirirwa mberi uye zvinoshandiswa mumakore emitero anotevera kana vaviri vacho vasingakwanisi kuwana chikamu chikuru. Mupiro wekupera kwegore ndeweDecember 31. Kana zvasvika pakugadzirisa kupiwa rubatsiro rwemari, Rhode Island inosanganisa kukosha kwezvikwereti izvi zvehurumende rubatsiro rwekubatsira mari. Kuparidzika kwakakodzera kunokonzerwa.

Rhode Island vagari vanoedza kusarudza kuti vashandise hurongwa hweRI 529 zvichienderana nechimwe chikamu Chikamu 529 chirongwa chinoda kubhadharira mari inogona kubhadharwa yekupa mupiro wavo muhurumende.

Tichifunga kuti iyo yakakwirira yeRhode Island inotora mutero inokwana 5.99%, kubviswa kwega kwe $ 500 kunogona kuchengetedza mutero kune $ 29.95 panguva yemitero. Rhode Island haisi ikozvino inopa kubhadhara mutero kune vagari vanozvipira kune dzimwe nyika dzezvirongwa kana humwe mhando dzekodhi dzekuchengetedza maakiti akadai seCoverdell Education Savings Account (ESA) kana kuti UTMA Chekuchengetedza Aunti.

Kubva muna 2015 RI mvumo yekubhadhara mutero, iwe uchada kuisa Purogiramu M , RI Kugadziriswa ku Federal Federal, kutora kubhadhara mutero. Enda Kumugwagwa 2g - Kudzidza Saving Program (chikamu 529 nhoroondo). Maererano nemirayiridzo, "Kuchinja kwekugadziriswa kwehurumende kunogadziriswa mari yakawanda kunogona kubvunzwa nokuda kwemari ipi zvayo yakagadzirwa kuRode Rhode Island pasi pechirongwa chekuchengetedza chikoro. Iko kushandurwa kwakanyanya hakufaniri kudarika $ 500, $ 1 000 kana kubatanidza kudzoka. "Zvose zvinoshandiswa mumatare ekugadziriswa kubva pomufananidzo uyu zvino zvinotamirwa kuRI-1040 kana RI-1040NR.

The Rhode Island 529 Kuronga mutero wekutsvaga mutero ndeye "pamusoro pezera" kuchinjwa kwemari, zvinoreva kuti vagari vemo vanogona kuzvitaura kunyange kana vasingatauri zvimwe zvakabviswa zvadzo (kusarudza kuregererwa kwakakwana).