Mitemo mitsva yemitero inobvumira 529 Kuronga Kurongerwa Kubhadhara Dzidzo Yega
Akafanirwa 529 Rongororonga Kubhadhara
Pakupedzisira, akakodzera 529 chirongwa chekuregererwa chakanga chiri chekugadzirisa kushandiswa kubhadhara mari yepamusoro yezvikoro pamakoroji akakodzera uye nemayunivhesiti.
Kunyanya, izvi zvinoreva zvikoro zvinokodzera kupinda muhurumende yemapurogiramu anobatsira. Kubhadhara kunokwana kune zvimwe zvikwereti, kusanganisira:
- Kudzidzisa uye mari
- Girasi uye bhodhi yevadzidzi vanopinda nehafu yenguva
- Mabhuku, zvinhu uye midziyo, kusanganisira makombiyuta
- Zvishandiso kana maitirwo anodiwa kuti vadzidzi vakwanise kudiwa
Vabereki vanogona kugadzira hurongwa hwegore negore hwe 529 kusvika kune mari inotarisirwa kuvhara chero ipi zvayo inosanganiswa mitero isina mutero. Kubhadhara kune chimwe chinangwa kunze kwedzidzo yepamusoro yekubhadhara mari inowanikwa kune 10 muzana mutero wekutengesa uye vabereki vanofanirwa kubhadhara mutero unowanikwa pamari pamari.
Kushandisa 529 Purogiramu Yokudzorera Kwekudzidzira Padzidzo
Pasi pemitemo yakarongeka yemutero, vabereki vanogona kukwanisa kusvika kune $ 10 000 pagore kuti vabhadhara chikoro chekudzidzira, mabhuku uye zvimwe zvinokodzera mari kune zvidzidzo zvepasimari uye zvepamusoro. Icho chinosanganisira zvose zvechitendero uye chechikoro zvikoro zvinodzidzisa vadzidzi kubva kuchikoro chechikoro kusvika pa12 grade.
Izvi zvinorega kusabhadhara mutero, chero bedzi zvavanoshandiswa kuti vawane mari yekudzidzira mari.
Ropa re $ 10,000 rekuregererwa rinowirirana zvakakwana nevhareji yegore roga roga mari yega yega dzidzo. Pamusangano wegore ra2017-18-18, yevheji yega yega chikoro chechikoro chaive $ 10,302. Private elementary school taition yaive inenge madhiyoni 5,000 akadhura kupfuura yega yega yekondari yechikoro.
Unofanirwa Kushandisa 529 Plan Money ye Private School?
Pakutanga kuona, kuwedzera kwepurogiramu yekusvika 529 kunoratidzika sechibatsiro chakajeka. Kune vabereki, zvisinei, mubvunzo ndewekuti zvinonzwisisika kushandisa 529 hurongwa hwekuregererwa kuti uvhare izvi. Mhinduro yacho inobatanidza pane zvimwe zvinhu, kusanganisira kuti wakachengetedza zvakadini muhupfumi hwepurogiramu 529, kuti uripi kubhadhara mari yega yega, iyo iwe unofunga kuti mari yako yekukoroji ichave yei uye kuti chii chiri kuramba uchiwedzera pane chirongwa che ivo ivo.
Funga, semuenzaniso, kuti iwe uzarure kambani 529 yemwana wako pawakaberekwa uye ushandise mutemo we IRS wekutangira mberi. Mutemo uyu unobvumira kuita zvipo zvemakore mashanu panguva imwe chete, kusvika kumuganhu wekupa mubairo wegore . Chipo chemapepa chinoshanda kune zvipo zvemari zvaunoita kune mumwe munhu. Kune 2018, kubviswa kwegore negore ndeye $ 15,000 pamwana. Vakaroorana vakaroorana pamwe chete vanogona kudarika izvi kusvika ku $ 30,000 pamwana.
Kana iwe ukapa $ 150,000 mberi uye ukawana 6% zvegore negore kudzoka, iyo nhoroondo yaizowedzera kusvika kudarika $ 202,000 nechisvondo chechipiri chemwana wako. Panguva ino, iwe unyoresa pachikoro chepachikoro chepachikoro chekutanga uye iwe unokwanisa kutanga kutora michero mitsva purogiramu.
Kana iwe uchiramba uchingopedza chikamu chekuregererwa kwegore negore, zvipo zvako zvinopfuura kudarika $ 10,000 kubva kuchikoro chega. Uye kana ukaramba uchinge uine 6% inowanikwa gore rimwe nerimwe rekudzoka, chirongwa chekuchengetedza chinoramba chichikura.
Asi, muenzaniso uyu unotora mamiriro ezvinhu akanaka. Kune vabereki vasingagoni kutungamira-kutakura nhoroondo, kuwana nguva inotevera kutanga kuchengetedza kana kugovera zvakanaka zviri pasi pegore rega rega rekupa mutero wekusabhadhara mutero, kubvisa $ 10 000 gore roga roga kuchikoro chega pamba kunogona kusiya mwana wavo pfupi kana yava nguva yekubhadhara college cost. Uye koreji, nokuenzanisa, inodhura zvakawanda kupfuura chikoro chesekondari kana chikoro. Maererano neColleBoard, chiyero chechikoro chekudzidzira yunivhesiti yemakore mana chiri $ 23,890 muna 2018; inowedzera kusvika $ 32,410 kumakoroji ega ega nemayunivhesiti.
Kushandisa Coverdell ESA seSevan Education Education Alternative
Kana iwe uri pfambo yekushandisa 529 chirongwa chekuregererwa kuchikoro chega, pane imwe nzira: Coverdell Education Savings Account (ESA) . Nhoroondo idzi dzinobvumirawo vabereki kuchengetedza dzidzo yepamusoro munzira inobhadhara mitero, asi vanogonawo kushandiswa kubhadhara K-12 mari.
Pane zvimwe zvakasiyana zvakasiyana kuti uzive kana uri kufunga nezveCoverdell. Chokutanga, iwe unogona kugovera chimwe chezviitiko izvi kumwana wako kusvika vasvika pamakore 18. Hapana zvipingamupinyi zvezera nemurongwa we 529.
Zvadaro, muganhu wegore negore weCoverdell ESA unotorwa pa $ 2,000 muna 2018. Mupiro weupenyu hwose pane imwe yezvirongwa izvi $ 36,000. Nokuenzanisa, iwe unogona kuwedzera zvakanyanya kune hurongwa hwe 529 gore negore, uye muganhu weupenyu hwese wehupenyu hwepurogiramu dzinokwana 529 unogona kusvika $ 500,000, zvichienderana nehurongwa hupi hwehurumende hwaunosarudza.
Chechitatu uye zvichida zvakanyanya kukosha, haugone kusiya mari mubhuku reCoverdell nokusingaperi. Kana mwana wako asingashandisi mari yose yepuraimari, yechipiri kana yekoroji mari yekubhadharisa nezera remakore makumi matatu, imwe yakasara inofanira kugoverwa. Iyo IRS inotora chikamu chegumi kubva muzana yemutero uye inotarisa mutero unowanikwa pamari pakugovera. Neurongwa we 529, iwe unogona kungopedzisa iyo nhoroondo kune mumwe munhu anobatsira uye ramba uchiponesa kana mwana wako apedza chikoro.
Chimwe chinhu chokupedzisira kuchengeta mupfungwa. Kana iwe ukasarudza kugadzirisa hurongwa hwako 529 yezvimwe zvikoro zvekuchikoro iwe unogona kushandisa Roth IRA senzvimbo yekuchengetedza yejiji kana iwe uchingopera. IRS inodzinga 10 muzana yekutanga kubvisa chirango chinowanzobatanidzwa nekutanga kweRARA kuregererwa pavanoshandiswa pamari yekudzidzira dzidzo. Nguva dzose mutero wemari unogona kushandiswa. Kunzwisisa kweseji yekuchengetedza koroji kunogona kukubatsira kuti ugadzire urongwa hwakanakisisa hwekuvhara huwandu hwakazara hwezvedzidzo zvekudzidzisa.