Funda ngeziNcedo zeRhafu zeAkhawunti ye-PA529
Utyalo-mali olwenziweyo kule akhawunti lukhula ngaphandle kweerhafu zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. Amalunga angama-35 athi kwakhona akhankanya irhafu yombuso ngokurhoxa, kunye nokunikela ezinye izikhuthazo.
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. Uhlelo lwePennsylvania lubandakanya izicwangciso ezimbini:
- Iplani yasePennsylvania 529 I-Savings Savings Guaranteed (GSP): Le ncipheko engaphantsi, isicwangciso sokufundiswa esikhokhelwa ngaphambili sokuncedisa ukugcina kwakho ukuhamba ngokuhambelana nokukhushulwa kwezifundo. Abahlali basePennsylvania bafumana iiyunithi ezonyuka kwixabiso ngelixesha lokulandelela ukunyuka kwee-teition kwinqanaba leeklasi eziliqela ezikhethiweyo. Ukuba ulondoloze ngokwaneleyo i-semester kwenye yeyunivesithi karhulumente namhlanje, uya kuba neyanele ngokwezi-semester kwisikolo esikhathini esizayo - kungakhathaliseki ukuba nini na ukufundela ngaphantsi kwexesha. Yindlela enhle yokugcina, nangona awuyiyo enkulu yezemali kuba isebe lasePennsylvania leNondyebo yenza umsebenzi otyalo-mali.
- IPennsylvania 529 Isicwangciso soTyalo-mali (IP): Apha ungakhetha kwii-15 ezahlukeneyo zokutshala imali ezinikezwa yiQela leVanguard. Iimali zivela kwi-conservative kuya kulungelelanisa okanye kubudlova kwiindlela zabo zokutshala imali. Utyalo-mali kangakanani kuwe. Nabani na onokuvula i-akhawunti ye-IP 529 ye-IP kunye ne-$ 25 kwaye enze iminikelo eyi-$ 25 okanye ngaphezulu xa ufuna. Ukuchithwa kwemivuzo kunye nezicwangciso zokutyalomali ngokuzenzekelayo kwenza ukonga nokuba lula.
Iinzuzo zePennsylvania 529 iPolish Savings Plan
Iplani ye-529 yasePennsylvania ineenzuzo kwiindawo eziliqela-irhafu, uncedo lwezemali kunye nelifa. Kwindawo yerhafu, abahlawuli berhafu basePennsylvania bayakwazi ukufikelela kwi-14,000 yezigidi kwizibonelelo kwiiplani ezingama-529 ngamnye ngomxhamli ngamnye ngonyaka, okanye i-28,000 zamawaka ukuba ukutshata ngokufakela ngokubambisana, kuthatha umlingane ngamnye unokufumana ingeniso ye-$ 14,000.
Le mali iyanciphisa imali yabo yokufumana imali ehlawulwayo yasePennsylvania ngenjongo yokumisela irhafu yengeniso yabo. Umda osemgangathweni wenkxaso kuzo zonke izicwangciso zasePennsylvania zi $ 511,758. Abemi basePennsylvania nabo bafumana ukuncitshiswa kwentlawulo ngokufaka isandla kwisiCwangciso se-529 kwelinye ilizwe, ukuba ufumana ithuba kwelinye ilizwe elifanelekileyo ngokufanelekileyo kwiimfuno zakho.
Xa kuziwa kumncedisi wezezimali, icebo lePennsylvania alithethi i-asethi kwi-akhawunti ye-529 xa kubalwa uncedo lwezezimali kubahlali baseburhulumenteni, ngokungafani nezicwangciso ezili-529. Ixabiso elipheleleyo le-akhawunti yakho likhululekile kwerhafu yelifa lePennsylvania. Iimpahla ze-PA 529 zikhuselwe nakwabathengi basePennsylvania, ngelixa i-asethi kwizicwangciso zephandle zikhuselekile.
Enye inzuzo eyingqayizivele kwiiplani ze-PA 529 yiProgram ye-SAGE Scholars Tuition Rewards, enika izaphulelo zokufundiswa kwiikholeji zangasese ezingama-300 kwilizwe lonke, kuquka i-50 kwiPennsylvania.
Kwikota nganye ufumana iMvuzo yemivuzo elingana ne-2.5% yexabiso le-akhawunti yakho ye-PA 529, eyongeza kwi-10% ngonyaka. Inqaku ngalinye lixabisa i-1.00 yee-scholarship kwizikolo zelungu leSAGE.
Ukumangalela i-Pennsylvania 529 Ukukhutshwa
Abahlali basePennsylvania bazama ukugqiba isigqibo sokuba ngaba ukusebenzisa iCandelo 529 icebo ngokubhekiselele kwezinye iikholeji zeekholeji kufuneka kubandakanyeke ekutondolozeni irhafu kwintlawulo ye-529. Ukuqwalasela ukuba iPennsylvania inexabiso lentlawulo yerhafu yengeniso ye-3.07 yeepesenti, ukuchithwa kwe-$ 14,000 nganye kunokugcina umhlawuli-ntlawulo kwi $ 429.80 ngexesha lokurhafu.
Abahlali banokubango i-Pennsylvania ye-529 yokuncitshiswa kweerhafu kwi-PA-40 Ishedyuli yeFomu. Ulwazi olongezelelweyo malunga nokuncitshiswa kwePennsylvania lunokufumaneka kwiwebsite yeSebe leRevenue yasePennsylvania kunye ne-PA 529 Network website.