01 Inkcazo yokuthatha umhlala-phantsi we-IRA njengama-Akhawunti kwi-College Savings
Sibanzi:
Kukho ezininzi ze-buzz malunga nokusebenzisa i-IRA, ingakumbi i-Roth IRA, njengenye indlela ye-akhawunti yokulondoloza ikholeji. Isiseko salolu ngcamango kukuba i-IRA ikuvumela ukuba ugweme isohlwayo se-10% sokuthoma kokuqala xa usetyenziselwa iindleko zeekholeji ezifanelekileyo.
Ukukhutshwa kwesi sigwebo kudla ngokudibanisa nokukhutshwa kwentlawulo yengeniso. Ezi zihoxiso aziyi kuphephela irhafu yengeniso evamile kwiimali ezingekaze zifumaneke, kungakhathaliseki ukuba uyazihoxisa kwi-Traditional or Roth IRA.
Ukusebenzisa iRoth okanye i-IRA yeNdabuko icebo eliphambili lokucwangcisa imali elidinga ukucinga okungaqinisekiyo, kwaye ngokuqhelekileyo akunconywa. Izibonelelo zale nkqubo zifaniswa neenzuzo zokusebenzisa i- Akhawunti 529 ye-Akhawunti yokuSindisa okanye i-Coverdell ESA.
Utyalo-mali:
Ukutshala imali kwiikholeji eRoth okanye kwi-IRA yeNdabuko kufuneka kuhlolwe xa kukho iimeko ezilandelayo:
- Umzali ufundela ukuqonda kunye nolwazi lwemithetho yerhafu.
- Iinjongo zokuthatha umhlala-phantsi sele zidibene ngokwaneleyo ngokusebenzisa ezinye izicwangciso.
- Abazali okanye umntwana banelungelo lokufaka isandla kwi-IRA.
- Abayi kufumana uncedo lwemali xa babonisa nayiphi na imali yokugcina iikholeji.
- Baye baxhamla ezinye iikholeji zokugcina iikholeji, okanye abavumelekanga ngokusekelwe kwingeniso yabo.
- Abayi ku funeka bahoxise ngaphezu kwezolimo zabo zangaphambili.
- Bafuna ukugcina ulawulo lokugqibela kwiimpahla ezingasetyenziswanga.
02 Inzuzo kunye neentsilelo zokusebenzisa iCollege IRA
Inzuzo:
Mhlawumbi inkulu enkulu inzuzo yokusebenzisa i-IRA kukuba ipropati yokuthatha umhlala-phantsi ayifakiwe kwiinkalo ezininzi zoncedo lwezemali. Ukuba inani elifanayo lemali ligcinwa kwi-Coverdell ESA okanye kwi-akhawunti yeCandelo 529, i-5.64% yexabiso layo iya kubala ngokuxhaswa ngoncedo lwezemali unyaka ngamnye.Enye inzuzo kukuba imali engasetyenziswanga, ukuba ibanjwe kwi-IRA kude kube yimihla yokuhlala yomhlalaphantsi (ubuncinane 59 1/2), ayiyi kuba phantsi kwesigwebo sokuhoxiswa kwe-10%. Kwimeko yeRoth IRA, abayi kuba phantsi kwentlawulo yengeniso, nokuba.
Oku kuyahluke kwi-penalty ye-10% (kunye neterhafu yengeniso) ehlawulwe ngokungasetyenziswanga iCandelo 529 okanye i-Coverdell ESA iimali xa zihoxiswa.
Iingxaki:
Kukho izinto ezininzi ezingalunganga kwesi sicwangciso ngokunjalo. Mhlawumbi inkulu kakhulu ukulahlekelwa kokusetyenziswa kwe-IRA yakho yokugcina umhlala-phantsi wonyaka. Ukusebenzisa i-IRA yomhlala phantsi ukugcina iikholeji kukubiza ithuba lokuwusebenzisa ukuze ulondoloze ikamva lakho. Ukususela ekubeni umhlala-phantsi uza kuba nexabiso elininzi kunezemfundo yekholeji, oku kukuqwalasela okubalulekileyo.Enye inzuzo iya kuba yerhafu kwimali ehoxisiweyo. Kwi-Traditional (deductible) IRA, yonke imali ehoxisiweyo iya kuba phantsi kweerhafu zaseburhulumenteni kunye nekarhulumente. Kwi-Roth IRA, nayiphina imali ehoxisiwe ngaphaya nangaphezulu kwempembelelo yakho yangaphambili iya kubhatalwa kwinqanaba likaRhulumente nelaseburhulumenteni.
Xa kuqhathaniswa nxamnye nokurhoxiswa kweerhafu ezivunyelwe kwiiplani zeCandelo 529 kunye ne-Coverdell ye-ESA, oku kungabonakalisa inkunkuma enkulu yemali.
Ngokomzekelo, ukuhlawulwa kweerhafu ezingama-20 000 ezihlawuliswayo kwiindleko ezifanelekileyo ezivela kuyo nayiphi na uhlobo lwe-IRA inokudula imali engama-5,000 kwiirhafu (kuthatha i-25% yaseburhulumenteni kunye ne-5% irhafu yentlawulo karhulumente). Ukuhoxiswa okufanayo kwiCandelo 529 okanye kwi-akhawunti ye-Coverdell ESA kuya kuba yintlawulo yerhafu.
03 Izinketho zoTyalo-mali kunye neeNzuzo zeRhafu kwiKholeji ye-IRA
Izinketho zotyalo:
Utyalo-mali oluvumelekileyo lwe-IRA lubandakanya imenyu epheleleyo yeesitokethi, izibophelelo, ii-CD kunye nemali. Ukongeza, i-annuities ingathengwa kwi-IRA, kodwa ngokubanzi kufuneka ikhutshwe.Izinzuzo zerhafu:
Inzuzo enkulu kunoma yiphi na uhlobo lwe-IRA kukukhuliswa kwentela. Ngamanye amazwi, akufanele uhlawule irhafu ngonyaka ngentshisekelo, inzuzo kunye nokukhula kotyalo-mali. Oku kunceda kakhulu ukuhlawula izinga lokukhula kwakho nokuba ngaba kufuneka uhlawule irhafu kamva, njengoko kunjalo nge-IRA yeNdabuko.Nangona kunjalo, le nzuzo ilahlekile ngokukhawuleza xa imali ihoxiswa kwiindleko zemfundo. Nangona i-IRS ikhupha isohlwayo se-10% ngokukhishwa kwangaphambili, usenomthwalo werhafu yengeniso kwimali engazange ihlawulwe kwenye indawo. Oku kuya kuthetha ukuba nayiphina imali ehoxisiwe kwi-IRA yakho echithwayo, kwaye nayiphi na inzuzo evela kwi-Roth IRA, iya kutsalwa ngerhafu yengeniso.
Iindleko ezifanelekayo kunye nefuthe kwi-Financial Aid ye-College IRA
Iindleko ezifanelekileyo:
- Ukufundiswa kwinqanaba lekholejini okanye phezulu (kodwa kungekhona igumbi kunye nebhodi)
- Iincwadi, izixhobo, kunye nemirhumo (xa kufuneka isikolo)
Impembelelo kwi-Federal Financial Aid Ukufaneleka:
Imali ebanjwe kwiakhawunti yomhlala-phantsi njenge-Traditional okanye i-Roth IRA ayifuni ukuba ibhengezwe kwifomu yeFSFFF. Ngaloo ndlela, akuyi kubuhlungu ukufaneleka kwemali.05 Igalelo kunye neMigqaliselo yokufaneleka kweKholeji ye-IRA
Ukufaneleka:
Ukurhoxiswa okukhusela isohlwayo sokuthoma kwe-10% kwangaphambili kufuneka kube ngumfundi we-akhawunti yomnini-akhawunti, iqabane lakhe, abantwana okanye abazukulu.Imigaqo yoNcedo:
Kukho imimiselo eyimimandla enzima ye-IRA echaphazelekayo yintlobo ye-IRA, iminyaka yobudala kunye neengeniso, nokuba ingaba umxhasi okanye iqabane lakhe linikezelwa isicwangciso somhlala phantsi ngumqeshi wabo.Igalelo eliphezulu kwi-IRA li-$ 5,000 ngomntu ngamnye, kunye ne-$ 1,000 eyongezelelweyo yabanikazi be-akhawunti abangaphezu kweminyaka engama-50.