Iimali zeeSondlo ngenye yeemdala kwaye zilula ukuqonda utyalo-mali olunikezwa nguRhulumente wase-US. Zithathwa njenge-"accrual" utyalo-mali, oko kuthetha ukuba ixabiso labo landa kwithuba.
Iingxowa-mali ze-EE zee-Series zithengwa ngesiqingatha sokukhula kwazo kwaye zinyuka ngokukhawuleza kuloo mali. Iingqungquthela Iibhonki zithengwa kumahlelo e-$ 50 ukuya kwii-10 000 zamawaka, kwaye ngokukhawuleza zikhula ngexabiso ngokwemilinganiselo yemigangatho.
Urhulumente, njengenkuthazo yokuthenga i-Series EE kunye namabhonkco, avumela ukukhula kwexabiso ukuba kukhutshwe kwiRhafu kunye nekarhulumente irhafu xa ikhutshwe kwaye isetyenziswe ukuhlawula iindleko zekholeji.
01 Ukwahlula kweebhonki ze-US Savings njengeCandelo loKonga kweKholeji
Uchungechunge lwe-EE kunye neebhonkco kufuneka ziqwalaselwe ngabantu abadibana kunye nazo zonke ezi zilandelayo:
- Bakhetha ukhuseleko kunye nokulula kwamaBondle okuThengisa ngengozi kunye nobunzima bezinye iimali-mali kunye neendidi ze-akhawunti.
- Banelisekile ngenani leminyaka lokubuyisela kwi-4-6%.
- Zizo zikarhulumente eziphezulu zeRhafu kunye nekarhulumente.
- Bangakwazi ukutsalwa imali encinci kwixesha elingavumelekanga.
- Bafuna ukugcina ubunikazi bexabiso kuze kube yilapho banquma ukuyisebenzisa.
02 Iingenelelo kunye neziNzuzo zokusebenzisa iBond ye-US Savings ye-College Savings
Inzuzo:
Ukuthengwa kwee-US Savings Bonds (u-EE okanye i-Series Series) enye yeendlela ezilula zokubeka imali kwiikholeji. Akukho mfuneko yokuvula i-akhawunti kwiziko lezemali, uxwebhu olupheleleyo oluphangaleleyo, okanye uphando kunye nokulawula iindlela zokutshala imali. Ukongezelela, ixabiso elizayo leMali yokuThengisa, ngakumbi i-Series EE izibophelelo, kulula kakhulu ukuqikelela.Iibhondi zokulondoloza zifumaneka kwiinkonzo ezincinci kwaye zingathengwa zincinci ezingama-25 ngelo xesha.
Inzala kulezi zibophelelo zixolelwe ngokupheleleyo kwiirhafu zerhafu kunye nekarhulumente xa zisetyenziselwa iindleko zeekholeji ezifanelekileyo, ezenza ukuba bancintisane nokuhlawula okuphezulu, kodwa utyalo-mali.
Iingxaki:
Eyona nto inzima kakhulu, ngokuqhelekileyo yimeko nawuphi na ukwandiswa kwinqanaba lokhuseleko kunye nokulula, lizinga eliphantsi lokubuyela. Ngomlinganiselo wembali wokubuyela phakathi kwama-4-6% ngonyaka, ukutshala imali kweemarike ze-stock market kungakwazi ukugqithisa kalula iibhonki ze-US Savings ngokuphindwe kabini.Enye ingozi, kukuba ukuxolelwa kwiirhafu kwiikholeji kuncinci kunezinye iikhompyutheni zokulondoloza iikholeji. Uchungechunge lwe-EE kunye namabhonkco ahlawulwa kuphela kwiirhafu xa zisetyenziselwa ukufundiswa (kungekho igumbi, ibhodi, okanye iincwadi), kwaye zifumaneka kuphela kubahlawuli berhafu abafumana imali engaphantsi kwexabiso elithile.
03 Izinketho zoTyalo-mali kunye neZibonelelo zerhafu kwiimali ze-US Savings Bonds
Izinketho zotyalo:
Amanani amabhenge okugcina apapashwa njalo ngoMeyi noNovemba 1, kwaye ibalwa ngokusebenzisa umgangatho osemgangathweni. Iingqungquthela zee-Series EE zeBond zizingatshintshi amaxabiso abo njengamaxabiso amatsha aziswa. Iingqungquthela iiBonds ezizenzayo.Ireyithi yee-Bonds ze-EE Bonds i-90% yesilinganiso semilinganiselo yeeNqaku zoNondyebo zonyaka-mali ezintandathu kwiinyanga ezidlulileyo.
Ireyithi ye-Series I Bonds idibanisa isantya sokubuyisela esinqunyiwe esilungisiweyo ngaphambili kunye nohlengahlengiso lwemali yokunyuka kwemali kwiinyanga ezi-6 zingaphambi kweenyanga.
Izinzuzo zerhafu:
Inzuzo yerhafu ephambili yabanini bee-Bond ye-US Savings yi-exemption ukuhlawula irhafu yengeniso kwimali kunye nokukhula kwindleko, ukuba isetyenziselwe ukufundiswa kwezifundo. Ngoyilo, i-Series EE kunye nee-bonds nazo zikarhoxiswa irhafu ngamnye kunyaka zize zikhishwe.Oku kuxolelwa kwerhafu yengeniso ekukhuleni kwezi bhonkco kwenza ukuba kukhuphiswano kunye nezinye izibophelelo eziphezulu, kodwa ezihlawuliswayo, zigcinwe ngaphandle kwee-akhawunti zeekholeji.
Ngokomzekelo, ukuthatha ibhondi kwi-corporation ihlawula i-5% ngonyaka, kodwa ihlawulwa ngokupheleleyo kwizinga likaRhulumente lama-25% kunye nezinga lika-5%. Emva kweerhafu zihlawulwa rhoqo ngonyaka, ngesantya se-30%, eso sivumelwano sivelisa inzuzo yentlawulo emva kwentela ye-3.5%.
Ukuba i-US Savings Bond ifumana i-4% kuphela, kodwa ayiyi kuhlawulwa irhafu ngenxa yokuba iza kusetyenziswa kwizikole zeklasi, ithetha ngokucacileyo ukugqithisa ukubophelwa kwentlawulo.
Ukuze ufanele ukufumana ukukhululwa okukodwa kwerhafu kwinzala, umnini kufuneka abe nemali engaphantsi kwe-$ 78,100 xa engekho, okanye i-$ 124,700 xa utshatile.
Iindleko ezifanelekayo kunye nefuthe kwiNcediso yezeMali kwiimali ze-US Savings Bonds
Iindleko ezifanelekileyo:
Uchungechunge lwe-EE kunye ne-I-Bonds ye-Savings inokufumana kuphela ukuxolelwa kwerhafu yengeniso yemali esetyenziselwe ukuhlawula isifundo kwiikholeji ze-IV IV, iiyunivesithi kunye nezikolo zokusebenza.Igumbi, ibhodi, kunye neencwadi azihlanganiswa phantsi kokuxolelwa. Ukurhoxiswa kwezi mali kuya kuxhomekeka kwerhafu yengeniso evamile.