Ukuba Ugalela kwi-Ohio 529 Isicwangciso, Unako ukufumana iiNzuzo zoRhafu ezibalulekileyo
Izicwangciso zokulondolozwa ezingama-529 zenzelwe ukunceda abafundi, abazali kunye nootatomkhulu basindisa imali kwiikholeji okanye kwiindleko zeyunivesiti kwi-akhawunti ehlawulwa irhafu. Nawuphi na umvuzo kwi-529 awukho phantsi kwerhafu yengeniso ye-federal, kwaye uya kukwazi ukukhangela iminikelo evela kwiirhafu zase-Ohio xa ufaka unyaka ngamnye. I-Ohio ibalwa njengenye yezona zinto zilungileyo kakhulu eUnited States xa kuziwa kwizicwangciso zokulondoloza iikholeji, ngoko ke abahlali bayo banokufumana inzuzo ngokusebenzisa le nkqubo.
Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziweyo kule akhawunti lukhula ngaphandle kweerhafu zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxhaswa kwiirhafu zentlawulo kunye nekarhulumente. I-Ohio nayo enye yee-33 kunye neSithili sase-Columbia ezinika abahlali irhafu yentlawulo okanye irhafu yerhafu.
Ngezicwangciso zerhafu-deductible, amalungu osapho kunye nabahlobo banokufaka isandla kwingxowa yekholeji yengane, kwaye bafumane inzuzo yentlawulo ngokwenza njalo. Kule minyaka, kunye negalelo eliqhelekileyo kunye nomdla wequmrhu, isicwangciso sinokukhula ngokukhawuleza ukubonelela ngeendleko zemfundo zomntwana. I-Ohio inika iikhokheji ezimbini ze-Savings Plan ezi-529:
- I-CollegeAdvantage 529 Isicwangciso soSondlo : Sithengiswa ngqo kwilizwe, esi sicwangciso siphethwe kwaye sisasazwa yi-Ohio Tuition Trust Authority. Isicwangciso sinikeza ezine iindlela ezinokusukela kwiminyaka, eziba zilungelelwano xa umfundi efikelela kwikholeji, ezikhethiweyo ezi-17, ezigcina ulwabiwo olufanayo lwexesha, kunye neendlela ezintathu zemali. Ubutyebi-mali obudala obudala buquka inani elincinci leengxowa-mali ze-Vanguard.
- I-BlackRock CollegeAdvantage 529 Isicwangciso : Esi sicwangciso esithengiswa ngumcebisi, esilawulwayo sisasazwa yi-BlackRock Investments LLC. Isicwangciso sinikeza iinketho ezintathu ezisekelwe kwixesha elidala, eliba lukhuselekileyo xa umfundi efika kwikholeji, kunye neendlela ezi-20 ezikhethiweyo, ezigcina ulwabiwo olufanayo lwexesha. Izinketho ezisekelwe kwiminyaka ziqulethe ngokupheleleyo kwi-BlackRock mali kunye kunye neengxowa-mali ezithengiswayo kwaye ziwele kwiintlobo ezintathu: ezilondolozayo, ezilinganayo kunye nezobudlova.
Ubume bemivuzo ye-Ohio College 529 yokuThutshwa kweRhafu yeRhafu
Ukuba ungumkhokhwa-ntlawulo wase-Ohio, ufanelekile ukufikelela kwi-2,000 yeminikelo yomntu ngamnye ngomzuzwana, ngonyaka, evela kwingxowa-mali yakho ehlawulwayo yase-Ohio, engenakulinganiselwa. Akufanele ube ngumnini we-Akhawunti ukuba anike iminikelo evela kwi-State of Ohio engenayo engenayo. Inzuzo ngumxhasi ngamnye okanye isibini esitshatileyo. Le nkqubo iyamkela umrhumo kude kube zonke izilinganiso ze-akhawunti ze-529 kwizi-529 ze-Ohio ze-beneficiary efanayo zifikelela kuma-445,000. Xa usanda kuqalisa ukugcina iikholeji, inzuzo enye kukuba ubuncinane ekuvuleni isicwangciso sokulondoloza ama-529 e-Ohio sezantsi kakhulu. Unako ukuvula i-akhawunti kwaye uqhubeke negalelo kunye ne-$ 25.
Ngubani Ongayinzuzo?
Nabani na ummi wase-US okanye umthetho ohlala phezu kweminyaka engama-18 ubudala unokuthiwa ngumzuzi wecebo lase-Ohio 529. Unokwazi ukuvula i-akhawunti kwaye uzibize ngokuba ungumxhamli, nje kuphela xa udibana neendlela ezibekwe.
Ngaba Umzuzi-mali unokuya esikolweni e-Ohio?
Ngaphantsi kwe-Ohio iiplani ezingama-529 zokulondolozwa, umxhamli unako ukuya kwikholeji emibini okanye emine yekholeji, kungakhathaliseki ukuba iziko likarhulumente okanye lizimeleyo okanye likhona e-Ohio, nje kuphela ukuba iyunivesithi okanye iikholeji ivumelekile kwaye ivumelekile kwiSebe leMfundo le-US iinkqubo zoncedo lwezemali.
Ukuba umfundi akayi kwikholeji ngqo emva kwesikolo esiphakeme, umxhamli unako ukufikelela kwimali kamva. Akukho mingcipheko weminyaka malunga nokuba imali ifuna ukuhoxiswa.
Ukuba umxhamli uya kugqiba ekubeni angayi ekholejini, umnini-akhawunti unokutshintsha abaxhamli kwaye asebenzise isicwangciso sokulondoloza ama-529 kwelinye ilungu losapho okanye othandekayo. Ngaphandle koko, umnini-akhawunti unokukhetha ukuthabatha imali ngaphandle kwesicwangciso ngokupheleleyo; Nangona kunjalo, olu khetho luya kuba neentlawulo ezinkulu, kubandakanywa isohlwayo se-10% kwimbuyekezo kunye nemfuneko yokuhlawula irhafu yengeniso kwisixa esipheleleyo sokulondoloza isicwangciso.