Cinga ngeCandelo 529 iSicwangciso seKhwama yeKholeji yabantwana bakho
Inkxaso-kholeji yenkxaso-mali yinkxalabo enkulu kubazali, oogogo nomkhulu kunye nabanye abathandekayo. Utyalo-mali oluthile olufana ne-akhawunti ye-Sections 529 yokulondoloza lunokukunceda ukwakhela kwii-asethi zakho kwaye ulondoloze imali engakumbi kwiikholeji yabantwana bakho .
Isikhokelo salesi siqalo siya kukunika uluvo oluhle lwezinto ezilungileyo kunye neentsilelo ezibandakanya isicwangciso seCandelo 529. Ukuba ukholelwa into enqwenela ukuyenza ngokuqhubekayo, xubusha ukhetho kunye nomcebisi wakho wezemali ukuze uthole iinkcukacha zakutshanje kwilizwe lakho kwaye ufumane uncedo ekunqumeni ukuba kuyinto enhle yentsapho yakho.
Yintoni iCandelo 529 iPlani yokuSindisa?
Izicwangciso zeCandelo 529 zibhekwa njengenye yezona ndlela ezingcono zokulondoloza imfundo yekholeji yabantwana. Babizwa ngokuba yi "Candelo 529" izicwangciso emva kwekhowudi ethile ye-IRS evumela ukusebenzisa kwabo.
Kukho iintlobo ezimbini zeeplani zeCandelo 529: ii-akhawunti zokulondoloza kunye nezicwangciso zokufundiswa kwezifundo zokubhadela. Eli nqaku liphonononga ngokukodwa iingxelo ze-Section 529 zokulondoloza.
I-akhawunti yokulondoloza iCandelo 529 ivumela iminikelo yerhafu emva kokuba yenziwe egameni lomxhamli otyunjweyo (kungekhona nje umntwana). Le mnikelo ivumelekile ukuba ikhule ihlawulwe irhafu kwaye inakho ukurhoxiswa irhafu kwiimfuno zemfundo ezifanelekileyo.
Ngubani oMcebisi-mali oCwangcisiweyo weCandelo 529 iSicwangciso soSondlo?
Isicwangciso se-Isicwangciso sama-529 sokugcina imali sinokulungelelaniswa kubazali okanye ngootatomkhulu abanokudibanisa oku kulandelayo:
- Ungathanda ukugcina ngaphezulu kwama-2,000 e-USD ngonyaka.
- Uhlala kwimeko apho unikezela ukuncitshiswa kwentlawulo yombuso ngokufaka isandla kwisicwangciso seCandelo 529.
- Unokwenza imali eyaneleyo yokuba ungakufanelekanga ukusebenzisa i-Coverdell ESA .
- Unabantwana abaninzi abanethemba lokuba bonke baya kukholeji.
- Uqala ukucwangcisa iikholeji emva kobomi babantwana.
- Uceba ukugcina imali eninzi kwiindleko zekholeji .
- Ulindele ukuba abantwana bakho baye kwiiprogram ezizipholileyo.
- Ufuna inkululeko yokubuyisela ixabiso ngeyiphi na isizathu okhethayo.
- Ungathanda ukuxhasa iikholeji ebathandayo xa ukhulula ubuncinane belifa lakho.
Inzuzo Ebonakalayo
Ukukhula okukhatywe irhafu kunye nokurhoxiswa kweerhafu ezingenanto yentlawulo ehambelana neCandelo 529 kwenza ukuba kube mnandi kakhulu kubantu abafuna ukwandisa ukukhula kweekholeji zabo.
Nangona ezinye iiplani (ezifana ne- Coverdell ESA) zinikezela lo mbandela, iCandelo 529 ivumela umzali okanye umnikeli ukuba ahlale elawulwa kweempahla ngonaphakade. Kuye kuvumela ukuba bavale isicwangciso baze bafumane imali yabo (phantsi kohlwayo).
Ukongezelela, izicwangciso zeCandelo 529 zibonelela ngokunciphisa irhafu yengeniso kumazwe angama-35. Banokukhuselwa kwakhona kwinani leemali zokufunda zezimali.
Iingxaki ezingenzeka
Nangona kukho iincinci ezincinci kwiiplani zeCandelo 529 kunezinye i-akhawunti ezininzi, kukho ezinye zokuziqonda. Okubalulekileyo kukuba ukunikezelwa kwezicwangciso zeCandelo 529 zeendleko zepolishi ngaphambili (amabanga ase-K-12) aziqwalaselwe njengengxaki efanelekileyo.
Ukongezelela, ukhetho lokutshala imali kwiCandelo 529 lunokuthi lugcinwe kwi-10-30 mali. Ezinye iintlobo zee-akhawunti ziphantse zizonke iphela zengxowa-mali zentengiso ziyafumaneka.
Ziziphi iindlela zakho zokutshala imali?
Izicwangciso zecandelo le-529 lokulondoloza zinomxholo okhethekileyo wokukhetha ukutshala imali. Ngokuqhelekileyo, icebo leCandelo 529 likarhulumente liya kukhontrakthi kunye nenkampani yoxanduva lokulawula isicwangciso. Ngaloo ndlela, imali yeemali zenkampani ziya kuba likhulu lokukhetha utyalo-mali olukhoyo.
Uninzi lwezicwangciso zokulondolozwa kweCandelo 529 linikeza "i-age based based" ongakhetha kukho utsalo-mali, okubelwe utyalo-mali phakathi kwe- stock , bond , kunye nemali yemarike yemali esekelwe kumntwana wakho. Njengoko bekhulile, i-fund iya kuba yindlela egciniweyo yokuxuba.
Uvumelekile ukutshintsha isicwangciso sakho sokutyalomali kuphela kanye ngexesha leenyanga ezili-12. Iimpazamo zenziwe xa uhambisa impahla yakho kwisicwangciso sombuso omnye ukuya kwelinye okanye uphakamise iSecandelo 529 icebo kumntu omxhamli omtsha.
Ziziphi iinzuzo zeRhafu?
Inzuzo enkulu yerhafu yeCandelo 529 yinto yokuba ivumela ukuqokelelwa kwentela kunye nokurhoxiswa kweerhafu kwiindleko ezifanelekileyo.
Ngamanye amazwi, akufanele uhlawule irhafu kunoma yintoni ukukhula konyaka kwenzalo yakho yokuqala xa imali isetyenziselwa imfundo.
Akukho ncitshulwa yerhafu "yaseburhulumenteni" yokubeka imali kwisicwangciso seCandelo 529. Iintlawulo zenziwe ngeerhafu "emva kwentela" kwaye aziyi kunciphisa oko ufunwa yi-IRS.
Nangona kunjalo, amazwe angama-35, kuquka iSithili sase-Columbia, unikezela ukuncitshiswa kweerhafu kwabemi bawo ukuze kuxhaswe isicwangciso seCandelo 529. Ngokuqhelekileyo, lo kuhluthwa kuphelelweyo kusetyenziswa isicwangciso sakho selizwe.
Ukongezelela, izicwangciso zeCandelo 529 zivumela ezinye iindlela zokucwangcisa irhafu eziphambili zezindlu ezizama ukukhusela irhafu yefa.
Ziziphi iindleko ezifanelekileyo?
Umnini weakhawunti angaqalisa ukusasazwa kwentela egameni lomxhamli kwiikholeji "ezifanelekileyo" okanye iindleko zesikolo esiphumelele (kwiindawo ezininzi). Ngokungafani ne-Coverdell ESA, imfundo yaseprayimari neyesekondari ayinayo iindleko ezifanelekileyo kwizicwangciso zeCandelo 529.
Imigaqo ye-IRS yeendleko ezifanelekileyo zeCandelo 529 , ngelixa zihlala zikhululekile, ziqinileyo kuneCoverdell ngokunjalo:
- Isifundo
- Igumbi kunye neBhodi (umfundi kufuneka abhalise ubuncinci bexesha lesigxina)
- Iikhompyutha / ii-laptops (kuphela xa isikolo sifuna)
- Iincwadi kunye neeNkonzo (njengoko kufunwa yunivesithi)
ISigqeba 529 sichaphazela njani ukufaneleka kwezezimali zikaRhulumente?
Iingxelo ze-Section 529 zokulondoloza zinemiphumo encinci kwi-Federal financial aid, njengoko zibhekwa njengexabiso lomzali. Ngaloo ndlela, 5.64% yexabiso lawo libalwa ngokumalunga nokufaneleka kwemali.
Ukongezelela, ezinye zichaze ngokupheleleyo iCandelo 529 kwiimpahla ezivela kwiimfuno zokuncedisa ngemali-mali.
Ukuba umnini ungumkhulu ozala, ilungu losapho olongezelelweyo, okanye umntu ongabandakanyekanga, kugxininiswa ukuba i-asethi ayibalwanga nxamnye noxanduva lwemali . Oku kungenxa yokuba akukho ndawo yokubika i-asethi yabantu abangaphandle komzali okanye umfundi kwifom yeF FAFSA.
Ukufaneleka
Izicwangciso zeCandelo 529 zokulondolozwa zinemiqathango yokufaneleka yokulungelelanisa nayiphi na imoto yokugcina iikholeji. Ngokwenene, nabani na onokuvula kwaye abe negalelo kwisicwangciso seCandelo 529 egameni lomnye umntu, ngaphandle kobudala, ingeniso okanye ubudlelwane beqela.
ImiGaqo
Umda owodwa obekwe kwixabiso lemali "ngumda wokuphila" ngommkeli ngamnye, osekwe ngumntu ngamnye. Lo mda uthetha ukugcina abantu abavela kwi-akhawunti yokulondoloza iikholeji ngaphaya kwezinto ezifunekayo. Le mijelo yexesha lokuphila ukusuka kwi-$ 100,000 ukuya kwii-300,000 zama-dollar kwaye iyahluka ukusuka kummandla ukuya kwilizwe.
Ukongezelela, abaxhasi kufuneka baqaphele imithetho yesibonelelo yesipho malunga negalelo elikhulu. Ngokuqhelekileyo, isipho esingaphezu kweedola ezili-12,000 kunoma ubani ngaphandle kweqabane lakho liya kufuna ukuba ufake ifayile yokubuyisela irhafu kuloo nyaka.
Izicwangciso zeCandelo 529, kukho ilungiselelo elikhethekileyo elivumela abantu ukuba benze imirhumo yeminyaka emihlanu (i-$ 60,000 ngomntu omdala / umlingane) kwisicwangciso sonyaka omnye kumxhamli omnye, ngaphandle kokuhlawulwa irhafu yesipho kwimali.
- Isipho sale mali sidinga ukhetho olukhethekileyo olwenziwe kwiFomu yase-Federal 709 kunyaka wesipho sokuqala.
- Nasiphi na izipho ezongezelelweyo kumntu kule minyaka emihlanu elandelayo, nokuba kungenjalo kwisicwangciso seCandelo 529, kuya kubangela ukuba inkokhelo yesipho ibe semali engaphezulu.
Umrhumo wokugqibela
Akukho mhla wokugqibela wokufaka isandla kwisicwangciso seCandelo 529.
Imigaqo yokuBala
Akukho zerhafu okanye izigwebo zokurhoxiswa ezenzelwe ukuxhasa iindleko zemfundo, nje kuphela ukuba ukuhoxiswa akudluli imali efanelekileyo yeendleko ezifanelekileyo. Ukuba iimali ezingaphezu kweemali ziyakhutshwa, inxalenye iya kuba phantsi kwentela kunye nezohlwayo ze-10% (oku kungatshitshiswa kwiimeko ezithile).
Unyango lweeNgxowa ezingasetshenziswanga
Akukho mithetho okanye umda weminyaka xa iifom ze-Section 529 zifuneka zisetyenziswe. Ukuba akusekho isidingo seCandelo 529 isicwangciso somntu, sinokufakwa kwi-akhawunti yomfundi wexesha elizayo. Oku kubandakanya amalungu osapho osondeleyo abaxhamli bokuqala, abazali, abazala, oomama kunye noomalume, kunye nemithetho kamasipala.