Ngaba Ufanele wenze i-UGMA okanye uguqulelo lwe-akhawunti ye-ATMA?
uncedo lwezemali luvela kwiikholeji zabo ezikhethiweyo. Kwiimeko ezininzi, kukho ikhefu phakathi kwezinto ezihlawulwayo zesikolo kunye noncedo lwezemali. Esi sithuba singabhekiswa ngokubhalwa kwemali, iimali-mboleko zabafundi okanye ukugcina imali. Ezinye iintsapho zilondoloze imali kule njongo ngo-UGMA (uMthetho ongasifanelanga kunye noMthetho oMncinci) kunye ne-UTMA (i-Transforming efanayo kwi-Minors Act).
Ezi zithuthi zaqala ukuba ziphezulu kwiimarike zokugcina iikholejini kwaze kwaba yilapho kudalwa ii-akhawunti zeCandelo 529 ngo-1996. Ukususela kuloo xesha, ezininzi iintsapho zikhetha izicwangciso zeCandelo 529 zokudibanisa iintlawulo zerhafu kunye nokulawulwa kwabazali kwiimpahla. Akumangalisi kuba abazali abaninzi kunye nootatomkhulu owake wasebenzisa i-UGMA kunye ne-akhawunti ye-UTMA yokuzikhusela banokuziva banconywa.
Ngenxa yoko, umbuzo ovame ukubuzwa ngabazali abatyala imali kwi-akhawunti ye-UTMA okanye ye-UGMA kukuba ingaba banokuguqula i-akhawunti yabo kwisicwangciso seCandelo 529. Nangona impendulo ngu "Ewe," oku kuguqulwa kuza kunye nokubanjwa okunokwenzeka.
Ulawulo lweeAfa
Uguqulelo lweakhawunti ye-UTMA-529 okanye ye-UGMA-529 inokuchaphazela ukuba ngubani olawula i-asethi. Kwezinye iimeko izicwangciso zeCandelo 529 abaxhasi bafuna ukuphathwa ngokukhethekileyo kunye nokubhaliweyo kwezi ziguqulo. Kule meko, i-akhawunti ethile ibhalwe njenge-"Custodial Section 529 akhawunti" kwaye icebo elixhasayo liza kuguqula ixabiso kwizinto ezincinci xa ziba ngabantu abadala, ngokungathi ziyi-akhawunti yokugcina i-classic.
Oku kuya kwenzeka xa umntwana efikelela kwiminyaka eyi-18 okanye ye-21, kuxhomekeke kwimeko.
Kukho ezinye izicwangciso zabaxhasi, nangona kunjalo, akufuneki le ngonyango ye-akhawunti ekhethekileyo nangona kusekho imbopheleleko esemthethweni eseleyo kumzali okanye omkhulu. Abanye abazali bangacinga ukuba bangayichazi kakuhle imvelaphi yale mali xa begcwalisa ifom yeakhawunti yeCandelo 529 ukuphepha le nto, kodwa ayilungelekanga kuba akusemthethweni kwaye ivumela umntwana wakho ukuba akugwebe ngenxa yokuphathwa kakubi kwemali.
Abaxhamli beNguqu
Akukho bucala lokudlulisa i-UGMA okanye i-akhawunti ye-UTMA komnye umntwana okanye ukutshintsha abaxhamli. Akufanele usebenzise uguqulelo lwe-akhawunti ye-UTMA okanye ye-UGMA-529 ukuze utshintshe umxhamli nokuba oko kuya kufana nokunika imali yomntwana wakho komnye umntu. Ukuba wenza uguqulelo lwe-UGMA- okanye u-UTMA-529 kwaye uyichaze ngokunyanisekileyo, izicwangciso ezininzi aziyi kuvumela utshintsho lwabaxhamli kude kube yilapho umxhamli oluhlu olukhoyo eba ngumnini othe ngqo. Ngelo xesha, umntwana okhulileyo uvumelekile ukuba atshintshe umzuzi-mnye kubo, ukuba ufuna.
Iziphumo zerhafu ye-UTMA okanye i-UGMA-529 yokuguqula i-Akhawunti yeComputer
Ngokungafani ne-IRAs ezikugwebayo xa uhoxisa imali yakho kwaye uyityala kwi-akhawunti engekho ye-IRA, ukuguqulwa kwe-UGMA okanye i-UTMA-529 ayikho into enjalo. Nangona kunjalo, utyalo-mali olusisiseko kwi-akhawunti yakho lunakho ukuxhomekeka kwerhafu yentlawulo enenzuzo xa ifumana inzuzo engaphambili. Le nzeka kufuneka ilinganiswe malunga nenzuzo yokukhusela konke ukukhula kwangaphambili kwimali phantsi kwecandelo elitsha leCandelo 529.
Imiphumo yoNcedo lwezeMali Ulungelelwano oluvela kwi-UTMA okanye iGMA-529 yokuguqula i-Akhawunti yeComputer
Ukuguqulwa kwe-UGMA okanye u-UTMA-529 ngokuqhelekileyo kuthathwa njengokunyuka okulungileyo xa kuziwa ukufaneleka ukufumana uncedo lwezezimali.
Oku kuba i-asethi ye-akhawunti yokuphepha ibalwa njengempahla yabantwana, kodwa i-asethi kwi-akhawunti eguqulwayo-529, nangona kunjalo, ngoku ibalwa njengabanye kubazali ukuba ngaba umfundi usexhomekeke kuye.
Oku kuthetha ukuba ngokuguqula i-akhawunti ye-UGMA okanye i-UTMA kwi-akhawunti yeCandelo 529, kuphela i-5.64% yeempahla kulindeleke ukuba isetyenziswe rhoqo ngabazali, ngokuchasene ne-20% isetyenziswe ngumfundi ngaphambi kokuguqulwa.
Ngaphambi kokuba wenze isigqibo malunga ne-UGMA okanye u-UTMA-529 ukuguqulwa kweakhawunti, yinto efanelekileyo ukubiza umnxeba weSiqendu 529 welizwe okanye uthintane nabacebisi bakho bezentengiso kunye nabarhafu.