Ziziphi iindawo ezichanekileyo ezichithwayo kunye namakhredithi kwizicwangciso ezingama-529
Akukho ncitshiswa yombutho kwi-akhawunti ye-529, kodwa ininzi ivumela ukuba inqununu okanye inkokhelo yemali engama-529.
Ziziphi iiMerika ezineziThutho eziPhambili?
I-Arizona, i-Kansas, iMaine, nePennsylvania ziyimpumelelo yabaphambili phambi kokuba abahlali bala mazwe bafumana ukuncitshiswa kweerhafu ngeminikelo kwiplani yelizwe 529, kungekhona yabo kuphela. Oku kunika abahlali inkululeko yokukhetha isicwangciso selizwe ngemali ephantsi kakhulu kunye neyona ndlela ingcono yokutsalwa kwerhafu.
Kule miqathango emine, into ephambili iPennsylvania evumela ukuncitshiswa kwe-$ 13,000 ngamnye ngomxhamli ngamnye ngomxhasi. Kuba isibini esitshatileyo sidibanisa ngokubambisanayo, leyo idalucon ukufikelela kuma-26,000 e-beneficiary.
Ngokubhekiselele kuwo onke amazwe, unokukrazula kuphela imali ebenegalelo kwisicwangciso salo salo, ngoko ke iyona nto ibhetele kwimiba yerhafu iya kuba yilezo ezinikezela kakhulu. Ngelixa ezininzi zinemingcele yama dollar kwimali engama-529, iNew Mexico, Colorado kunye neSouth Carolina ikuvumela ukuba uchithe inani elipheleleyo leminikelo yazo kwizicwangciso ezingama-529.
Imirhumo yeRhafu yoRhumo ye-529 Iminikelo
Iirhafu zemali zentlawulo zinciphisa irhafu oyenayo ngokwenene, ngoko banokubaluleka ngakumbi kunokwehlulwa. Okwangoku, iindawo ezintathu zineentengo zemali zerhafu ye-529.
- I-Indiana ikuvumela ukuba uthathe ikhredithi yentlawulo elingana ne-20% yeminikelo yakho yesikweleti esiphezulu se-$ 1,000 (ukuya kwi $ 5,000 kwiminikelo).
- I-Utah inetyala le-5% yerhafu kwiminikelo ye-$ 1,740 yabahlawuli berhafu abangabodwa (i-$ 3,480 idibanisa ukuba idibanisa ngokubambiseneyo) ngamnye ngomxhamli. Oku kuphuma kwi-kredithi ye-$ 87 ngamnye ngomxhamli kwi-filer enye kunye ne-174 ye-beneficiary yefayile ezihlangeneyo.
- I-Vermont inikeza iitaliti yerhafu ye-10 ukuya kwii-2,500 zama-dollar kwiminikelo ngamnye ngomxhamli (i-$ 250 ngetyala ngamnye ngomxhamli).
Uninzi lweeRhafu kwiiKholeji
Eyesibhozo ithi: I-Alabama, eCalifornia, iDelaware, eHawaii, eKentucky, eNew Jersey, eMassachusetts, naseMinnesota ayinakunqunywa okanye i-credit ye-529.
Ezi zinezicwangciso ezingama-529, kodwa zinikelisi inzuzo yerhafu yokuyisebenzisa. Ngoko ke, ukuba uhlala kwelinye lala mazwe, ukhetho lwakho olukhethekileyo kukuba ukhethe icebo likarhulumente elinemali ephantsi kwaye unikezela uhlobo lwenketho olufunayo. Kwiimeko ezininzi akudingeki ukuba ube ngumhlali waseburhulumenteni ukuba atyale kwisicwangciso sabo.
Liliphi Isicwangciso Sombuso Ngaba Ndimele Ndikhethe?
Ukuncithwa kwentlawulo kunye neengxowa-mali zikhulu, kodwa azinako ukudibanisa ngokubanzi ukuba isicwangciso sakho se-529 sombuso sihlawula iindleko ezinkulu zokulawula. Qiniseka ukuba uhlolisise imirhumo yesicwangciso sakho selizwe (nokuba ingaba ziyike loo ntlawulo kubemi baseburhulumenteni). Thengeza uze uthelekise loo ntlawulo kwiimali zamanye amazwe.
Eminye ingqwalasela ebalulekileyo yintsebenzo yokutshala imali kwaye ingaba isicwangciso sichaza ezininzi iindlela zokutshala imali, njengezifofoliyo ezindala .