Azikho zonke iiplani ezingama-529 ezidalwa ngokulinganayo
Iiplani ezingama-529 zihlobo lwe-akhawunti yokutyalomali yentengiso ejongene neentengo eziqwalaselwa ngokubanzi ngenye yezindlela ezilungileyo zokugcina iikholeji. Ezi zicwangciso zinika uxanduva lolawulo lwentlawulo karhulumente kunye nolwaseburhulumenteni kunye nokukwazi ukukhula ngexesha elide, xa imali isetyenziselwa iindleko zemfundo ezifanelekileyo.
Nangona kunjalo azikho zonke iiplani ezingama-529 ezidalwa ngokulinganayo, kwaye nangona zonke iinjongo zinika izicwangciso zazo ezingama-529, ukukhetha umrhumo wakho womhlaba ongeke ube yinto efanelekileyo yokubheja.
Ziziphi na abatyalo-mali abaninzi abangaziyo, kukuba unokukhetha esinye isicwangciso selizwe okanye ukhethe ukuhamba nomcebisi endaweni yoko.
Kodwa ujongene neentlobo ezininzi zokukhetha kunye nezakhiwo ezinzima zerhafu kunye nemirhumo, akusoloko kulula ukukhetha icebo. Ukukunceda ukukhokela isigqibo sakho, nantsi i-8 yezinto eziphambili ukujonga xa ukhetha icebo le-529.
1. Ukuhlawulwa ngokutsha kunye neCandelo loPhuhliso lweeNgxowa-mali
Xa sibhekisela kwiiplani ezingama-529, kukho iinguqu ezimbini ezihlukeneyo, izicwangciso zokulondolozwa ezingama-529 kunye nama-529 ahlawulwe izicwangciso zokufunda. Inyaniso yokuba bobabili babizwa ngokuba ngu-529 kunokubangela ukudideka kubazali abanomlinganiselo wokukhetha kwabo.
Kule nqaku, sijolise kwiiplani ezingama-529 zokulondolozwa, kodwa kuyafaneleka ukuba siqaphele iiplani zezifundo zokubhalwa kwemali ezihlawulwa ngama-529, nangona ezi ziwayo ekuthandeni.
Iiplani zezifundo ezihlawulwa kuqala zivumela ukuba uvale kwiindleko zangoku zeekholeji kwi-state, iikholeji zikawonkewonke kunye neeyunivesithi. Ngenxa yokunyuka kwamaxabiso okufundela, le nto inokuba yinto ekhangayo, kodwa kukho ezinye izithintelo.
Umntu wokuqala ukuba ukuba unethuba lokuba umntwana wakho uya kwi-yunivesithi yangaphandle okanye yangasese, awuyi kubona ixabiso elipheleleyo lemali yakho yecebo. Enye ingeniso kukuba izicwangciso ezihlawulwayo zisebenza kuphela kwizifundo kunye neerhafu, kungekho ezinye iindleko ezifana neencwadi, igumbi kunye nebhodi, okanye izinto zobuchwepheshe.
Kwakhona banokungaphumeleli ukukhula kunye nokuxabiswa kwezicwangciso zokulondoloza.
Izicwangciso zokutyalwa kweekholeji zokugcinwa kweekholeji, ngakwelinye icala, zikhula ngokukhawuleza ekuthandweni kwemali yazo ye-plan-flexibility ingasetyenziselwa uluhlu olubanzi lweendleko zemfundo kwaye iimali azikhawulelwanga kwimeko yakho yasekhaya, kwaye zibonelela ngeenzuzo kunye nokukhula izicwangciso ezihlawulwa ngokuqhelekileyo azikwazi ukufana.
2. Kwi-State okanye ngaphandle kwe-State?
Enye into engalunganga abazali abaninzi kukuba kufuneka babhalise kwisicwangciso sabo se-529. Ngokomnye uphando , ama-80 ekhulwini kwabatyalimi abangama-529 bakhetha isicwangciso kwilizwe labo. Ngelixa ezinye iindawo zinikela ngekhefu zentela kunye nezinye izinto ezintle, akubona bonke abazenzayo, kwaye baninzi abanemali ephezulu enokuthi ikhuphe nayiphi na inzuzo.
Awunagqityi kwii-529 zelizwe-nkqubo ezininzi zibonelela ngeendlela ezahlukeneyo, kwaye ukhululekile ukubhalisa kwisicwangciso sesinye selizwe okanye ukhethe isicwangciso-mthengi esithengisiwe.
3. Intlawulo
Nangona ezinye iindawo zinikezela ukuncitshiswa kweerhafu kwiminikelo eyenziwe kwiplani ye-529, abanye banika i-credit okanye iyancitshiswa ngeminikelo eyenziwe kwizicwangciso zabo ezingama-529.
Uya kufuna ukuphanda imithetho ethile yelizwe ukuze ubone ukuba kukho nayiphi na unyango lwerhafu olukhethekileyo kwiiplani ezingama-529 zelizwe, nokuba ngaba iingenelo ziphakamisa nayiphi na ingxaki, njengemali ephezulu okanye ukusebenza kweengxowa-mali.
4. Iimali
Ukuba ufuna ukukhulisa iindleko zakho zentengiso, kubalulekile ukuthelekisa iindleko zezicwangciso ozicingayo. Kukho inani leemali ezahlukileyo ukuba izicwangciso zingaphantsi kwazo, ezinokuthi zidlule ngaphezu kwanoma yintoni imali yokulondoloza irhafu.
Ezinye zeemirhumo ezifunayo ziquka:
- Imirhumo yokugcinwa kwe-Akhawunti: Ezinye izicwangciso zihlawulisa le ntlawulo xa i-akhawunti ine-balance under the threshold, ukuba umtyalo-mali uphuma ngaphandle. Nangona kunjalo, izicwangciso ezininzi azihlawulisi le ntlawulo.
- Ukubhalisa okanye imali yokufaka isicelo: Izicwangciso ezininzi azihlawulisi ezi, nangona abanye besenza.
- Imirhumo yokuLawula: Ezinye izicwangciso zerhafu zihlula iindleko eziphantsi okanye ipesenti ezisekelwe kwiakhawunti ezilawulwe ngokufanelekileyo okanye ngokusekelwe kutyalo-mali kwiinkcukacha ezithile.
- Iimali ze-akhawunti yonyaka: Ezinye iiplani zihlawulisa umrhumo wendawo, abanye bahlawulwa ngokusekelwe kwibhalansi ye-akhawunti. Amanye amazwe anikezela imali yokuhlawula imali okanye imali ephantsi yabemi, okanye akukho ntlawulo ye-akhawunti.
- Imali ejoliswe kwiNgxowa-mali: Ngokuxhomekeka kwipotfoliyo apho iplani ye-529 ithengisa (iVanguard okanye i-Advantage, umzekelo) kunokuhlawulwa kwemali yepesenti.
Ngokuqhelekileyo le mirhumo iyahluka ngokubanzi ukusuka kwiphondo ukuya kummandla okanye naphakathi kokukhethwa kotyalomali kwisicwangciso esifanayo. Ngokomzekelo, ukhetho oluphantsi kweendleko zotyalo-mali kwi-Delaware yeCentral Investment Plan kwakuyi-$ 135 ngonyaka ngonyaka ka-2017, ngelixa eli phezulu liyi $ 1,459.
Imirhumo inokuphakanyiswa okanye iyancipha xa kuqulunqwe amalungiselelo athile, njengotyalo-mali kwilizwe, ukuguqula igalelo lombango, ukugcina i-akhawunti ephakamileyo yemali, okanye ukukhetha ukuhanjiswa kweedokethi.
5. Ukusetyenziswa
Nangona ezinye iiplani ezingama-529 zinikeza lula ukusebenzisa, iiwebhsayithi zanamhlanje, ezinye zilahlekile ukusebenza okanye zifuna iphepha elibanzi ukwenza imisebenzi.
Njengengxenye yophando lwakho, tyelela iiwebhusayithi ezihambelana nezicwangciso ozicingayo. Kulula kangakanani ukuhamba ngesayithi, ufumane ulwazi, ubhalise, usethe umnikelo oqhubekayo okanye unye owodwa, uqale i-rollover, wenze enye imisebenzi eyintloko?
Izicwangciso ezingama-529 zivumela umntu ukuba abe negalelo, kodwa akusoloko kulula ukwenza njalo. Ukuba ngabazali noomkhulu okanye abanye abahlobo kunye nezihlobo bafuna ukukunceda ukuba ulondoloze, kukufanelekile ukujonga ukuba oku kulula ukwenza. Zininzi izicwangciso zisafuna ukukwabelana ngamanani e-akhawunti, ukuhlola i-post, nokuzalisa iphepha.
Ezi ntsuku ezingama-529 ezifumanekayo ngokusebenzisa izixhobo ezinjengeKholeji yeBholeji kunye ne-Upromise igxininisekisa ukusetyenziswa kwezobini-zimali kunye nosapho kunye nabahlobo abangathanda ukukunceda.
Ukuba kunzima okanye kudideka ukuba ufumane indlela yakho, yenza umnikelo kwisicwangciso sakho, okanye ufumane abahlobo kunye namalungu entsapho abandakanyekayo, unokuba ngcono nakwiplani enika amava angakumbi.
6. Umcebisi okanye iziCwangciso ezithengisiweyo ngqo
Xa ukhetha icebo le-529, unakho ukhetho lokungena kumthengisi okanye ukhetha isicwangciso kwaye utyalomali ngqo. Kukho iinzuzo kunye neengxaki kwizinto ezikhethiweyo.
Ngokuqhelekileyo, ukuba ufuna i-option-cost cost, icebo elichanekileyo libhetele yakho. Umcebisi-uthengise izicwangciso ezingama-529 zineendleko eziphezulu zonyaka, kuquka iikomishini kwiminikelo yakho.
Nangona kunjalo, ukuba unqwenela ukubeka ixesha kunye nomgudu wokucwangcisa izicwangciso uze ufunde imithetho yakho yomgaqo-nkqubo, okanye ukuba ungathanda uchwepheshe ukulawula utyalo-mali lwakho, isicwangciso esithengiswa ngabacebisi sinokuba sakho.
7. Uncedo lwezeMali
Ezinye izicwangciso ze-529 zibonelela ngeenkonzo ezikhethekileyo zoncedo xa iimfuno ezithile zidibene, njengokuya esikolweni kweso sizwe kwaye utyalomali ixesha elithile.
Ngokomzekelo, i-New Jersey inikeza i-scholarship ekhethekileyo phakathi kwama-$ 500 kunye ne-$ 1,500 abo batyala imali ubuncinane kwiminyaka engama-4 kwi-NJBEST 529 icebo kunye nokuya kwiikholeji yaseNew Jersey.
Ukuba urhulumente wakho unika inkxaso yenkxaso yezemali ekukhethweni isicwangciso se-state, uya kufuna ukuqikelela ukuba imirhumo kunye nezibonelelo zentela zenza kube lufanelekile.
8. Isicwangciso soTyalo-mali
Ukunyamezela kwakho, uhlahlo lwabiwo-mali, ubudala bomntwana, ubuninzi obunako ukutshala imali, inani labantwana onalo, kunye nesicwangciso-mali sonke singabamba indima kwisicwangciso esiyikhethayo. Unokufuna iakhawunti esebenzayo okanye ilawulwa ngokukhawuleza, okanye ufuna ukuthatha i-DIY indlela yokwenza izinto. Okanye unokufuna umngcipheko ophantsi kakhulu, okanye ukukhula okuphezulu.
Ezinye izicwangciso zinegalelo elincinane kakhulu lokuqalisa, ngelixa abanye bangadinga utyalo-mali ophezulu. Ngokufanayo, iindawo ezahlukeneyo zithatha igalelo lakho elikhulu, ngoko ke ukuba ulindele umntwana wakho oya esikolweni esiphumeleleyo, okanye uceba ukutshintsha umxhamli wesicwangciso kunye nokusebenzisa imali ephumayo enye umntwana, unokuthi uqwalasele oku. A bambalwa bathi bafana neminikelo yabahlali abanomvuzo ophantsi.
Ngokufanayo, ubudala bomntwana bakho budlala into-ukuba bayasondela ekolishi, unokukhetha isicwangciso esithile ukuba umntwana wakho usekude kwikholeji kunokuba uceba ukutyalomali ngaphezu kweminyaka eyi-16-18.
Izicwangciso ezinika isabelo semali esisekelwe kwixesha elidala zikhethiweyo ezikhethiweyo, njengoko zilungelelanisa ukuxuba kwakho kwezitokhwe kunye nezibophelelo ezisekelwe xa umntwana wakho eqala iikholeji, kodwa akusizo zonke izicwangciso zesebe zinikeza esi sicwangciso.
Ezi zimbalwa zezinto ezahlukeneyo onokucinga ngazo xa uqhathanisa izicwangciso.
Iingcamango Zokugqibela
Ukuba intloko yakho ijikeleza nazo zonke ezi zinto ukucinga ngazo, kungekhona ukukhathazeka. I-IRS ivumela i-rollover yerhafu yerhafu ye-akhawunti engu-529 ngonyaka, ngoko awutshatile kwisicwangciso ozikhethayo.
Ukuba uphando ngeendlela ozikhethayo, khangela uluhlu lwe-Morningstar lwamaziko angcono ama-529, okanye amanqaku amaninzi, ukubala, kunye nezibonelelo kwiKholeji yaseBacker.com. Khumbula ukuba kungakhathaliseki ukuba yiyiphi iplani oyikhethayo, mhlawumbi ulunge ngakumbi ukusindisa ngo-529 ngaphandle kwe-akhawunti ehlawulwayo. Ibalulekileyo kukuba ukhethe enye (ngokukhawuleza unako) kwaye uqale ukugcina ngokufanayo.