I-Rhode Island 529 Isicwangciso sokuThuthukiswa kwabemi beRI

Imigaqo yokubamba iRhafu yeRhafu yeRhafu yeRhafu yeRhafu yeRhafu ye-R500

Iintsapho ezicwangcisayo ukuhlanganisa isicwangciso sokugcina kwiikholejini zihlala zijonge kwiiplani ezingama-529, ezinikezela ngendlela ehlawuliswa yerhafu yokugcina imali, njengento enokuyenza. Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziwe kule akhawunti luvunyelwe ukuba lukhulule kwiintlawulo zentlawulo kunye nekarhulumente.

Kwakhona, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. Amalunga angama-35 athi kwakhona akhankanya irhafu yombuso ngokurhoxa, kunye nokunikela ezinye izikhuthazo. Ezinye izibonelelo zeiplani ezingama-529 ziquka:

• Umnini we-akhawunti ugcina ulawulo lweempahla ngaphakathi kwenkqubo ngaphandle kwenani lomzuzwana.
• Uninzi lwezicwangciso zinomlinganiselo ophantsi kakhulu wemivuzo yenyanga.
• Umxhamli unokutshintshwa nanini na kwelinye ilungu lentsapho yomxhamli.
• Imali ingasetyenziselwa malunga nayiphi na ikholeji evunyelwe kweli lizwe kwaye ingasetyenziselwa ukuhlawula iintlobo zeendleko zekholeji, kubandakanya ukufundiswa, igumbi, ibhodi, iincwadi, iintlawulo, iimpahla kunye nezixhobo ezifunekayo.
• Iimpahla ezingaphantsi kwama-529 izicwangciso zikhuselwe kwi-bankruptcy.
• Abanikazi be-Akhawunti bangenza igalelo lentlawulo ukuya kwii-70 000 zama-beneficiary okanye i-140,000 zamawaka xa utshatile ukufakela ngokubambisana kwaye ugweme ukufaka iRhafu yeSipho kule mali ngokukhetha ukuba usebenzise iminyaka emihlanu yesithuba somvuzo wonyaka wonyaka.

Ngaphambili ekubhekiswe kwiKholeji yaseBhole College, iRhode Island inika izikhetho ezimbini kwiiplani ezingama-529 ze-College Savings phantsi kwegama elihlukile. Zombini izicwangciso zilawulwa yi-Ascensus College Savings, eyathatha indawo ye-AllianceBernstein njengomphathi weprogram ngo-2016. I-plan yokonga iikholeji engu-529 iqinisa imali ephantsi, uluhlu olubanzi lwazo zotyalo-mali kunye nokuphuculwe kwabathengi abangaphezu kwe-18,000 iRhode Islanders kunye ne-CollegeCounding accounts.

• I-CollegeBound529 : Esi sicwangciso esithengiswa ngumcebisi esibonisa i-Invesco imali kunye kunye ne-ETFs.
• I-CollegeBound Saver : Esi sicwangciso esithengiswa ngokuthe ngqo esichaza imali evela ku-Invesco, iVanguard, kunye no-BlackRock.

Isibonelelo kwiRhode Island 529 icebo eliya kuma-$ 500 ngonyaka ngumntu ngamnye kunye no-$ 1,000 ngonyaka ngabafaki-ntlawulo abatshatileyo abafakela ngokubambisana banokukhangela kwi-computer yeRhode Island engenayo imali engenayo, kunye negalelo elingenamkhawulo. Kuthetha ukuba ukuba isibini esiseRhode Island sibhala ukubuyisana ngokubambisana kuncedisa ngaphezu kwama-$ 1,000 egameni labaxhamli abafanelekileyo okanye abantwana, bavumelekile ukuba bathathe imali engama-1 000 kwiirejista zabo zerhafu naliphi na unyaka werhafu. Lezo mali, nangona kunjalo, zinokuqhutyelwa phambili kwaye zisetyenziswe kwiminyaka yerhafu elandelayo ukuba eso sibini asihlangabezane nesixa esiphezulu. Umrhumo wokugqibela umhla kaDisemba 31. Xa kuziwa ekumiseni ukufaneleka koxanduva lwezezimali, iRhode Island ayikhupheli ukubaluleka kwezi akhawunti zenzelwa uncedo lwezemali kaRhulumente. Ukunikezelwa okufanelekileyo kukhululekile.

Abahlali baseRhode Island bazama ukugqiba isigqibo sokuba kusetyenziswe isicwangciso se-RI 529 ngokuchasene nesinye isiqendu seCandelo 529 soxanduva lokunika ingxelo ngokulondolozwa kwentlawulo enokuba negalelo kwisicwangciso sabo selizwe.

Ukuqwalasela ukuba ireyiti yeRhode Island engenayo ingeniso ye-5.99%, ukuncitshiswa kwe-$ 500 kungalondoloza umhlawuli-ntlawulo ukuya kuma-29,95. I-Rhode Island ayilungiselelanga ukuhlawulwa kwentlawulo kubahlali abafaka inkxaso kwiiplani zephandle-zorhulumente okanye ezinye iindidi zeenkcukacha zokugcina iikholeji ezifana neAkhawunti ye-Savings Education (ESA) okanye i-ATMA Custodial Account.

Ngomhla we-RI yentlawulo yengeniso yerhafu ye-R, kufuneka ufeze iShedyuli M , iinguqulelo ze-RI kwi-AGI yaseburhulumenteni, ukufaka isicelo sokuncitshiswa kweerhafu. Yiya ku-Line 2g - Inkqubo yokuLondolozwa kweSiFundo (i-akhawunti ye-529 akhawunti). Ngokwemiyalelo, "Ulungiso olwenziweyo lokunciphisa umvuzo ongezantsi luya kuhlawulwa nayiphi na iminikelo eyenziwa kwi-akhawunti yaseRhode Island phantsi kweprogram yokulondoloza izifundo. Ukuguqulwa okuphezulu akuyi kudlulela i-$ 500, i-$ 1,000 xa i-joint return. "Ukulungiswa kwenani elipheleleyo le fomu liya kudluliselwa kwi-RI-1040 okanye i-RI-1040NR.

I-Rhode Island 529 Isicwangciso sokuncitshiswa kweerhafu "ingentla kwelayini" utshintsho lwengeniso, oku kuthetha ukuba abahlali banokubanga ukuba ngaba bengabonakali kwezinye iirhafu zabo (ukuchithwa ukuchithwa okuqhelekileyo).