Funda indlela ipati yePath2College inceda ngayo ukugcina imfundo ephakamileyo
Ukuba ungumhlali waseGeorgia oceba ukubeka umntwana kwiikholeji, kubalulekile ukufunda ngeentlawulo zerhafu ezifumanekayo ngokufaka isandla kwii-529 zaseburhulumenteni zeeKholeji zoPhuhliso. Ukuba imali eyaneleyo igcinwa kule sithuthi, kunokubakho uxinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela i-scholarships.
Utyalo-mali olwenziwe kule akhawunti lukhula ngaphandle kweentlawulo zerhafu zaseburhulumenteni kunye ne-Georgia.
Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiintlawulo zentlawulo yaseGeorgia naseGeorgia. Iindleko ezifanelekileyo azibandakanyi nje ukufundiswa, kodwa iindleko ezithile kunye neendleko zebhodi, iikhomputha kunye neendleko zeteknoloji ezihambelanayo, iincwadi, iintlawulo kunye nezixhobo.
Urhulumente unikezela ngokuncitshiswa kwentela kubahlali abafaka isandla kwisicwangciso sawo sePath2College 529. Abaxhasi banokungena kwi-$ 2000 ngonyaka kwifomu yabo yerhafu yelizwe, okanye i-$ 4000 yeefayile ezihlangeneyo. Isicwangciso saseGeorgia sifumana amanqaku aphakamileyo, ngenxa yokuba ihlawulwa imali engaphantsi kwe-intlawulo.
Ngezicwangciso ezixhamliweyo zerhafu, amalungu osapho kunye nabahlobo banokufaka isandla kwingxowa yekholeji yengane, kwaye bafumane inzuzo yerhafu ngokwenza njalo. Kule minyaka, kunye negalelo eliqhelekileyo kunye nomdla wequmrhu, isicwangciso sinokukhula ngokukhawuleza ukubonelela ngeendleko zemfundo zomntwana. Isicwangciso esithengiswa ngurhulumente waseJeorgia sinika oku okukhethwa kukho:
- Okukhethwa kwe-Investment-Based Based Options : Olu khetho luqwalasela umyinge wexesha elikhoyo kunye nenani leminyaka ngaphambi kokuba umzuzi abuyele kwi-18 okanye kulindeleke ukuba aqale ikholeji. Olu khetho lukulungele abantu abafuna i-portfolio elula, yonke inye.
- Inketho yoTyalomali eqinisekisiwe : Olu khetho lokutshala imali lufuna ukulondoloza imali enkulu kunye nokubonelela ngokubuyisela. Ezi zikhetho zinokuba zilungileyo kulabo abanamaxesha amancinci, okanye abo banokunyamezela okukhulu.
- Izinketho ze-Multi-Fund Investment : Ezi zikhetho zentengiso zilungile kubaphathi be-akhawunti abakhetha ukukhetha iphothifoliyo yokutshala imali ngokunikezelwa kwee-asethi. Iipolfoliyo zokutsalwa kweengxowa-mali ezahlukahlukeneyo zinikezelwa kwiimali ezininzi eziphantsi kunye / okanye isivumelwano semali kwaye inenjongo eyahlukileyo yotyalo-mali kunye nesicwangciso sotyalo-mali.
- Izinketho ze-Investment-Single : Ezi zikhetho zotyalo-mali zitsalwa ngamnye kwisahlulo esisodwa seNgxowa-mali okanye iSivumelwano seMali. Olu khetho lunokuba lulungele abantu abanomdla kwiimali eziziimali ezinye ezifana ne-indexity equity, imarike yemali okanye ukhetho lwemali yoluntu.
I-Path2College 529 yaseGeorgia
Iprogram yaseGeorgia ilawulwa yi-TIAA-CREF yokuFundisa ngeFundo, Inc. Kulula ukuvula i-akhawunti kwi-intanethi - ufuna kuphela i-$ 25 ukuqala. Abasebenzi baseburhulumenteni baseGeorgia banokufaka isandla kwiiprogram zabo zePath2College 529 ngokuchithwa kwe-payroll deduction, kunye negalelo elincinci le-15 nge-paycheck. Umda ophezulu wenkxaso kuzo zonke izicwangciso zaseGeorgia yi-$ 418,000.
Abahlali baseGeorgia banokungena kwii-2,000 zamawaka ngonyaka kwiirhafu zerhafu zomntu ngamnye ofumana inzuzo kwisicwangciso. Ukuba unabantwana abathathu, umzekelo, unokukhipha imali eyi-R10 000 kwiirhafu zakho zentlawulo yelizwe ukwenzela ukunikezelwa kwecebo lakho le-529.
Kwakhona akudingeki ukuba uthathe iinqununu ukwenzela ukuba ubangole ukutsalwa. Ngamanye amazwi, nangona ungeke ukwazi ukususa nantoni na into, usenako ukususa igalelo lakho kwisicwangciso esivela kwingeniso yakho engaphezulu kwi-Georgia yakho yentlawulo yerhafu.
Abemi bebambisana nokusetyenziswa kweGeorgia yeCandelo le-529 icebo ngokubhekisele kwezinye iikholeji zokulondoloza iikholeji kufuneka zibandakanyeke ekutheni ingalondolozo lwaloo ntlawulo karhulumente. Khumbula, abahlali baseGeorgia kuphela bafumana ukuxothwa kwegalelo kwiGeorgia yeCandelo le-529 icebo, kungekhona izicwangciso ezivela kwamanye amazwe.
Ukuqwalasela ukuba i-bracket yerhafu ephezulu yokuhlala kwabahlali baseGeorgia yi-6%, igalelo ngalinye le-$ 2,000 lingasindisa ukuya kwii-120 zamaxesha kwerhafu. Ngamanye amagama, ukufumana ukuhluthwa kungafana nokufumana ibhonasi ye-6% kwisixa esinegalelo.
Ukusebenzisa iNgxowa-mali yakho engama-529
Ungasebenzisa i-Path2College 529 Cwangcisa imali kwiikholeji okanye kwiyunivesithi yaseMelika, kwaye ezininzi zifumaneka ngaphandle kwe-US Imali kwi-akhawunti ingasetyenziselwa iindleko zemfundo ezifanelekileyo. Njengoko kuninzi kumazwe, nayiphi na isaphulelo esivela kwi-plan yakho engu-529 engasetyenziselwa iindleko zezemfundo ephakamileyo ingaxhomekeke kwerhafu yengxowa yombuso kunye neseburhulumenteni.