Ukuqaliswa kweSicwangciso soNcedo lwabaSebenzi abangama-529 Akunzima
Isicwangciso sokulondoloza iikholeji ezingama-529 sinokuba sisixhobo esincedo ekucwangciseni ezo ndleko.
Ezi zicwangciso zinikeza indlela ehlelwe yerhafu yokugcina iikholejini, ukuqala ukususela ekuqaleni kokuzalwa. UmThetho we- 2017 weCandelo loNgeniso lweRhafu kunye neMisebenzi usandul 'ukwandisa izikhokelo zezicwangciso ezingama-529, ukuvumela abazali ukuba bahoxise kwi-$ 10,000 ngonyaka ukusuka kwezi zicwangciso zecandelo labucala okanye lezenkxaso zemfundo ezizimeleyo nezesekondari.
Kodwa kwenzekani ukuba umfundi wakho angayisebenzisi yonke imali oyigcinile kwisicwangciso se-529 egameni labo? Okanye, kuthekani ukuba bayakukhetha ukuba bangayi ekholejini nonke? Ngokuqhelekileyo, ukurhoxiswa kwiplani ye-529 yokulondoloza nayiphi na enye ngaphandle kweendleko zemfundo ezifanelekileyo kuya kuba phantsi kweentlawulo zeerhafu ezi-10 kunye nerhafu yengeniso rhoqo. Kukho, ke, isisombululo sokuphepha ukuhlawulwa kweerhafu: ukutshintsha isicwangciso somxhamli.
529 Tshintsha iMigaqo yoNcedo
INkonzo yeNgeniso yangaphakathi (IRS) inezikhokelo ezithile zokuguqula umxhamli wecebo lokulondoloza lama-529. Ngethamsanqa, ukwenza utshintsho akuyona inkqubo enzima kakhulu.
Into ebalulekileyo okufuneka uyigcine engqondweni kukuba umxhamli omiselweyo omtsha kufuneka abe ngumntu ofanelekileyo. Umntu ofanelekileyo ilungu lentsapho yomxhamli. Oko kuquka:
- Wabo qabane
- Abazala babo, kuquka umama-mkhwenkwe, umkhwe-mkhwenkwe, umkhwekazi okanye udadewabo
- Abantwana babo, kubandakanywa nabantwana abanyathelo, abantwana abangabantwana okanye abantwana abamkelweyo
- Abazalwana babo, kubandakanywa nabantakwabo
- Abafana babo okanye abazalwana
- Akazi kunye namalume
- Umzala wokuqala
Khumbula, ukuba njengomnikazi we-akhawunti, awunelungelo lokufumana. Kodwa, ukuba uyadlulisela u-529 isicwangciso sokulondoloza komnye umntu, unokuzikhethela wena okanye lakho iqabane ukuba lizuze phambili. Ukuba umntwana wakho unomzali-ntombazana, banokubizwa ngokuba ngumzuzi.
Ngethuba nje ukuba umxhamli omtsha uhlangabezana neemfuno zokuba ilungu lomntu osapho lwabaxhamli, akukho nhlawulo yerhafu ekhangela. Kodwa, ukuba uyadlulisela u-529 kumntu ongeyifani nesikhokelo sentsapho, uphathwa njengomntu ongafanelekanga ukuhoxiswa . Kuloo meko, i-penalty ye-10 yepesenti kunye nerhafu yengeniso eqhelekileyo iya kusebenza.
Indlela yokutshintsha i-Plane yomNcedisi we-529
Ukwenza utshintsho lwe-529 lwabaxhamli lulula njengoko kugcwalisa iphepha elifanelekileyo kunye nomcwangcisi wecebo lakho. Kufuneka unikeze igama lakho kunye nenombolo yokhuseleko loLuntu, kunye namagama kunye neenombolo zokuKhuseleko kweNtlalo kubini abaxhamli bakho kunye nabaxhamli abatsha. Uya kufuneka ubonise ubudlelwane phakathi kwabaxhamli bababini, imali oyithuthayo, apho ezi mali kufuneka zihanjiswe khona kwaye ungathanda ukuba zityalwe njani.
Unakho ukhetho lokutshintshwa ngumxhamli otyunjwe kwi-akhawunti ekhoyo okanye ukumisela isicwangciso esitsha se-529, esiya kufumana ukudluliselwa egameni lomxhamli wakho omtsha. Ukuba uthatha imali kwiplani enye ye-529 kwaye uyishukumisela kwenye, kukulungele ukuba umlawuli wecebo langoku uzalise umthengi wakho. Ukuba ubuza kusasazwa kwisicwangciso se-529 ngokuthe ngqo kwaye ungaphumeleli ukuyifaka kwisicwangciso esitsha zingakapheli iintsuku ezingama-60, ukuthengiselana kwakuza kubalwa njengokhekhiswa kwentlawulo engafanelekanga.
Kutheni ukutshintshwa kwabaxhamli kunceda
Ngokungafani nenye inketho yokulondoloza ikholeji, i- akhawunti ye - Coverdell ye-Savings Education , iiplani ezingama-529 azibekeli ixesha lokugcina ixesha elingakanani. Ngo-Coverdell ESA, umzekelo, kufuneka uhoxise yonke imali ngomhla wokuzalwa wama-30; ngenye indlela, uya kuba neerhafu ezinkulu zerhafu nakweyiphi na imali eseleyo.
Ukukwazi ukutshintsha abaxhamli ngecebo le-529 akukuvumeli kuphela ukuba ugweme irhafu kodwa, kwakhona kukuvumela ukonga kwakho ukuqhubeka nokwandisa kwi-tax benefit-benefit basis. Ukuba umntanakho, umzekelo, iikholeji ezigqibeleleyo kunye ne-20,000 zama-$ ezingama-20,000 kusekho kwisicwangciso sawo esingu-529, unokuzibiza ngokuba ngumzuzisi okwethutyana kwaye uqhubeke unika iminikelo rhoqo. Xa sele benomntwana ngokwawo, ungatshintsha isicwangciso kubo endaweni yoko. Okwangoku, i-akhawunti iye yanda ngobukhulu, zombini ngegalelo lakho rhoqo kunye neentlawulo eziveliswe ngutyalo-mali.
Khumbula ukuhlaziya iinqununu zakho zoTyalo-mali
Iiplani ezingama-529 ezihlukeneyo ziyakwazi ukuhluka ngokubanzi ngendlela yokulondoloza imali, kodwa i- target-date -finance options. Ezi zimali ziquka isabelo sempahla esisetyenzisiweyo esilungisa ixesha elide njengoko umxhamli otyunjweyo esondela kuminyaka yeekholeji. Ukuba uyadlulisela i-akhawunti engu-529 kwi-kholeji yakho eneminyaka engama-22 ubudala xa ubhalela umntanama oneminyaka emihlanu ubudala, uya kufuneka uhlaziye isabelo sakho sempahla ukuze ubonise ixesha elide elide kuze kube yile kholeji. Kwaye, njengoko ucinga ngemali eyahlukeneyo, thatha ixesha lokujonga iirhafu kunye nokusebenza komntu ngamnye ukufumana ibhalansi efanelekileyo phakathi kweendleko kunye nokubuyisa.