Yiyiphi iNew York ehambisa abaxhamli kwiiKholeji zeeKholeji zeMfundo
Ukuba uhlala kwi-State State, kwaye uceba ukubeka umntwana kwiikholeji, iindaba ezilungileyo kukuba iNew York inikezela ngokuncitshiswa kweerhafu kubemi abafaka isandla kwi- 529 yeKoloji yoLondolozo lweKholeji . Abahlawuli berhafu abangabodwa bangafumana ukuhlawulwa kweerhafu yeNew York kwiRhafu ye-5,000, ngelixa iibini ezitshatileyo ezifakela ngokubambisana zinganqunyanwa ukuya kwi-$ 10,000.
529 Izicwangciso zinikezela ngeendlela ezifanelekileyo zokufumana imali.
Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziweyo kule akhawunti lukhula ngaphandle kweerhafu zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. I-New York yenye yee-33 kunye neSithili sase-Columbia ezinika abahlali irhafu yokutsalwa okanye irhafu yerhafu.
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. I-New York inikezela okukhethwa kwimibuzo emibini ye-Savings Plan:
- Inkqubo ye-529 yaseNew York (ngqo): Elawulwa yiVanguard kunye ne-Upromise Investments, esi sicwangciso sinika iinketho ezintathu (based conservative, moderate and aggressive) kunye ne-13 zemali ezikhethiweyo (i-fund multi-fund kunye ne-nine fund eyodwa). Iipotifoliyo ezisekelwe kwixesha elidala zishintsha ukwabiwa kwazo kweempahla kwixesha elinobudlova ukuya ngokunyanisekileyo njengoko umfundi efikelela kwikholeji. Izinketho ezongezelelweyo zotyalo-mali ziquka ezo zenzelwe ukulandelelanisa izicwangciso ezifana nokukhula kobudlova kunye noveliso-mali oluvelisiweyo okanye i-market ephuhlisiweyo, ixabiso lesitokisi okanye iimbosi ezibophelelweyo. I-Morningstar iphawula ukuba isicwangciso sinye kwisicwangciso esincinci esithengisa ngokuthe ngqo, kwaye sidumisa iintlawulo zerhafu kubahlali baseburhulumenteni. Isixa esincinci kufuneka unikele kwiCandelo eli-529 elizeleyo laseNew York ukuvula i-akhawunti yi-$ 25.
- Inkqubo ye-529 yeNew York (Umcebisi-Okhokelwayo): Isicwangciso-mthengi-esithengiswayo sinikeza umxube-mali-mali-mali kunye neengxowa-mali zomntu ngamnye. Umcebisi wakho unokukunceda ukhethe kwiindlela ezintathu ezahlukileyo kwiingxowa-mali ezisuka kwi-JP Morgan kunye neengxowa-mali ezithengiselwano ezivela kwi-State Street Advisors-i-portfolios ezisekelwe kwiminyaka ubudala, iiphothifoliyo zokwabiwa kweefa kunye neefowenuliyo. I-Morningstar igxininisa isakhiwo esomeleleyo sesicwangciso kunye nokukhethwa kwexesha elide. Le nkqubo idinga umnikelo wokuqala weemali eziyi-1 000 kunye ne-25 $ emva koko.
Ubume benkcazo yeNkotsha yaseNew York 529 yokuThengiswa kweRhafu yeRhafu
Umda omkhulu wenkxaso kuzo zonke izicwangciso zaseNew York i $ 375,000. Ukufika kwi-$ 10,000 ichithwa minyaka yonke evela kwiNew York State engenayo irhafu ehlawulwayo kubini abatshatileyo abafakela ngokubambisana; abahlawuli berhafu abangabodwa bangadlulisela kuma-5,000 ngonyaka. Iintlawulo zerhafu zombuso zabakhokheli beNew York abangabemiyo ziyahluka. Ukuncitshiswa kwentlawulo yombuso inokuxhomekeke ekubuyiseleni kwiimeko ezithile ezifana ne-rollovers kwesinye isicwangciso se-529 sombuso okanye ukurhoxiswa okungagqibekanga. Nceda uqhagamshelane nomcebisi wakho werhafu ngolwazi olungakumbi kwiimeko ezithile.
Ukongeza ekukhangeni kwayo kukuba abemi abayidingi ukuba bathathe ezinye iinqununu ukuba bathathe inzuzo kwiNkqubo ye-College ye-College ye-NY 529. Ngamanye amazwi, ukuba awukwazi ukukrazula nayiphi na into, uya kusaya ukwazi ukukhupha igalelo lakho kwisicwangciso sakho semali engenayo.
Njengoko kuninzi kumazwe, izabelo ezivela kwisicwangciso esicwangcisiweyo ezingasetyenziselwa iindleko zemfundo ezifanelekileyo ziphantsi kohlawulelo lwentlawulo, kwaye kwakhona "ukuphindaphinda" kweentlawulo ezithathwe kunyaka odlulileyo.
Ixabiso leNkcazo yokuThutshwa kweRhafu yeNew York yaseNew York
Ukuba ungoNew Yorker uzama ukukhetha phakathi kweprojekthi yokulondoloza ikholeji ye-529 kunye nezinye iinqwelo zokugcina iikholeji, kufuneka ulandele ukulungiswa kwentlawulo kwerhafu yeNew York kubemi.
Khumbula ukuba abantu baseNew York bafumana ukuxothwa kwegalelo kwiiplani ezingama-529 kwaye kungekhona izicwangciso ezivela kuyo nayiphi na imeko. Ukuba, umzekelo, imali ehlawulwayo yerhafu ye-NY ye-$ 318,750-$ 2,125,450 inomyinge weerhafu we-6.85%, umrhumo we-$ 5,000 ungasindisa imali engama-342.50. Ngamanye amagama, ukufumana ukuncitshiswa kungafana ne-6.85 yepesenti yebhonasi kwisixa esinegalelo.