Imithetho yokubamba i-Iowa 529 yokuThuthwa kweRhafu yeMali
Ukuba uceba ukubeka umntwana okanye omnye othandekayo kwiikholeji kwaye uhlala e-Iowa, ngoko uya kufuna ukufumana iinkcukacha zakho ngqo kwi-Iowa College Savings plan 529. Ukwazi izibonelelo onokuyonwabela njengokuba negalelo kwisicwangciso kunokunciphisa ezinye iinkxalabo zakho malunga neendleko zokubeka umfundi kwiminyaka emine (okanye ngaphezulu) yemfundo ephakamileyo.
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. 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. Kukho iindlela ezimbini ezikhoyo kwiprogram:
- Isicwangciso se-College Savings I-Iowa 529: Le nkqubo ye-Vanguard elawulwayo engu-529 yokugcina imali eneenkalo ezine ezahlukeneyo kwisithuba sayo esisekudala kunye neefowthifoliyo ezilishumi, zonke zisebenzisa i-Vanguard. Ithengiswa ngqo kwiIowans kunye nabantu kwilizwe lonke.
- IsiCwangciso se-Iowa Umcebisi 529 Isicwangciso: Esi sicwangciso sithengiswa ngabacwangcisi bemali. Ilawulwa yi-Voya Investment Management Co. LLC, inkqubo inomlinganiselo wokukhetha ubudala, iinketho ezi-5 ezikhethiweyo ezikhethiweyo, kunye nezinketho ezi-12 ezikhethiweyo zeengxowa-mali ezixhaswa yiBaillie Gifford, BlackRock, i-CBRE Clarion, i-Delaware Investments Fund Abacebisi, i-Goldman Sachs, i-Hahn Ulawulo oluPhezulu, uJP Morgan, uLazard, uLSV, T. Rowe Price, Van Eck, Voya IM kunye neWellington.
Yintoni enokuyilindela kwisiCwangciso se-Iowa 529
Abahlali be-Iowa abancedisa kwi-plan yokulondoloza iikholeji yase-Iowa bafumana ukuncitshiswa kweerhafu yengeniso yee-3,239 zama-dollar kwiminikelo ngamnye ngomxhamli kwiholo labo elipheleleyo. Ukuba umhlali wase-Iowa uncedisa egameni labaninzi abaxhamli (abantwana), banelungelo lokunciphisa amaninzi, ukuya kumda wamanje.
Ngokomzekelo, abathathi-nxaxheba abatshatileyo be-Iowa abafaka isandla kwiakhawunti egameni labantwana babo babini banokungena kwi $ 12,956 (4 x $ 3,239).
Ixabiso le-Incorption Tax Tax deduction yase-Iowa
Abahlali be-Iowa bazama ukugqiba isigqibo sokuba ngaba kufuneka basebenzise isicwangciso se-Iowa 529 kunye nezinye izithuthi zokulondoloza kufuneka zilandele ukulungiswa kwentlawulo yerhafu yengeniso. Khumbula, abahlali abafumani ixabiso lokuncitshiswa kwentlawulo ye-Iowa yokufaka inxaxheba kwiplani yeSiqendu 529, njengoko kunjalo nangamanye amazwe.
Ukuqwalasela ukuba i-bracket yerhafu engenayo e-Iowa ingama-8.98 ekhulwini, igalelo ngalinye le-3,239 kwi-Iowa 529 icebo lingasindisa umhlawuli-ntlawulo ukuya kuma-290.86 kwixesha lorhafu. Nangona oku kukhangeleka, akunakucima iintlawulo zokusebenzisa amanye ama-akhawunti angabonakaliyo njenge-akhawunti ye-Coverdell ye-Savings Education (ESA) okanye i-ATMA Custodial Account. Xoxa nomcebisi wakho wezezimali okanye uqeqesho olufanayo malunga naluphi na isicwangciso esinokukunika inzuzo ezininzi.
Izinzuzo ezongezelelweyo ze-Iowa Plan
Isicwangciso se-College Savings Iowa 529 sinesikhuthazo sentela yesipho sombuso. Abantu base-Iowa banokufaka isandla kwi $ 70,000 kunyaka owodwa (i-$ 140,000 isibini esitshatileyo sidibanisa ngokubambisana) ngamnye ngomxhamli ngaphandle kokufaka irhafu yesipho sombuso.
Ukwahlukileyo kukuba awukwazi ukwenza nayiphi na enye izipho kumntu onokuxhamla iminyaka emihlanu. Ngaba ngaba ngabaxhamli bacebise kakhulu ukuba badibanise umcebisi weerhafu ngaphambi kokuba basayinwe kwinkqubo yokusebenzisa inzuzo yabo.
Ukumangalela ukukhutshwa kweRhafu ye-Iowa 529
Ukumangalelwa kwe-Iowa 529 yokuncitshiswa kwentlawulo kufuna ukugqitywa kwe-Iowa State Form 1040. Ukuncitshiswa kuhlanganiswe nezinye izilungiso kwimali engenayo kwaye zidweliswe kumgca we-24 wokubuya. Intlawulo yokubuyisela irhafu kufuneka ihambisane nenkcazo emfutshane yeendleko, kubandakanywa nemali echithwe ngumntwana. Ulwazi olongezelelweyo kwi-Iowa ye-529 yokutsalwa kwentlawulo kufumaneka kwiwebhusayithi yeSebe leRevenue ye-Iowa kunye newebsite yeColley Savings Iowa.