Ukukhetha i-Akhawunti Yokugcina Ikholeji Yobhaliso Kumntwana Wakho

Indlela yokukhetha i-Akhawunti efanelekileyo yeFowuni yakho

Njengomzali, ukukhetha i-akhawunti yokuncedisa ikholeji inokuziva kunzima. Kukho ukhetho oluninzi, zonke iiseti ezikhethekileyo zemithetho eyinkimbinkimbi. Kungenokuba nzima ukuba wazi nokuba ungaphi, kodwa ukhetho olufanelekileyo xa umntwana wakho usemncinci uya kukugcina ezininzi kwiindlela xa kuziwa ekufakeni isicelo sokuncedisa ngemali kunye nokukhangela i-scholarships. Uhlobo olulungileyo lwe-akhawunti yokugcina iikholeji luyakwazi ukubonakaliswa ngokubuza imibuzo embalwa elula:

Umbuzo # 1: Yintoni oyithandayo - inkokhelo ekhuselekileyo kodwa ephantsi, okanye into enokukhula ngokukhawuleza, kodwa ingabandakanya ukulahleka kwezinto ezikhoyo?

Ukuba ukhuseleko lwakho lugxininiso, qaphela ukuba urhulumente wakho unikezela iCandelo 529 iSicwangciso soPhuculo lweNgxowa-mali. Ezi zicwangciso zivumela ukuba uthenge isikolo kwiidola zanamhlanje, kwaye uqinisekiswe nguRhulumente okhuphayo ukukunika inani elilinganayo lokufunda ngexesha elizayo. Akunakwenzeka ukuba ezi zicwangciso ziza kuphazamisa imarike yemasheya, kodwa unokufumana induduzo ngokwazi ukuba imali yakho iphephile.

Ukuba ukhangele izinga eliphezulu lokubuyisela, kufuneka uqinisekise ukuba urhulumente wakho unikezela iSicwangciso seNgcaciso soTyalo-mali seCandelo 529. Ezi zicwangciso zinikeza iinketho ezivela kwiifom zetyalo-mali ezihloniphekileyo. Ukuba imarike iya kunyuka, utyalo-mali lwakho luya kunyuka ngokufanelekileyo, kodwa luya kuncipha xa i-marhwebo ihlaselwa.

Uchungechunge lwe-EE kunye noChungechunge Iibhondi ngokudlulileyo zifumene ama-3-6%, ezishiya zingasemva kweCandelo 529 IziCwangciso zokuFundela eziPhokhelwayo .

Ukuthenga izibophelelo ngabanye kwi- akhawunti ye- UGMA / i-UTMA kunokusondeza ekubuyiselweni kwesicwangciso sokufundiswa esikolweni , kodwa kuya kuxhomekeka kwerhafu nayiphi na inzala efunyenwe ngaphezu kwexabiso elithile. Ukusetyenziswa kweemali ezixhaswa kunye kunye nezinye iiplani zokulondoloza zinokunikela ngezinga elilinganayo lokubuyisela, kodwa liya kuba phantsi kokungabi nantoni kunye nokulahlekelwa.

Ekubeni iinjongo ezininzi zelizwe zijolise ngokukodwa kwiikholeji zikawonke-wonke nakwiiyunivesithi, unokufuna ukuqwalasela isicwangciso se-Independent Section 529, ukuba ucinga ukuba umntwana wakho uya esikolweni sabucala.

Umbuzo # 2: uhlala phi?

Amaninzi amaninzi anika izibonelelo ezinzulu zemali ekusebenziseni zabo kwiSiqendu 529 soCwangciso loSondlo. Xa sicinga ukuba abanye bathi basuke bebeka imali kwi-pocket yakho ukuze basebenzise isicwangciso sabo, kuya kubonakala bengenangqondo ukuba bangayisebenzisi. Unokuba uvumelekile ukufumana inqununu okanye i-credit kwinzuzo yakho yokubuyiswa kweerhafu, okanye urhulumente wakho unokunyanisekisa umnikelo wakho kwisicwangciso, ukuya kwimida ethile, ukuba ungumhlali.

Ekubeni amazwe amaninzi anikezela ubuncinane enye okanye ezimbini ezilungileyo zokukhetha iimveliso zentengiso kwixesha elide kwizicwangciso zabo zokulondoloza, mhlawumbi kuyingqiqo ukuthatha "imali yamahhala." Nangona awukwazi ukufikelela kwisikhwama sakho sothandana , oko kuphakanyiswa kokuqala kuza kuphakamisa ukubuyela kwakho ngexesha elide.

Umbuzo # 3: Ungakwazi ukugcina ngaphezulu okanye ngaphantsi kwe-$ 2,000 ngomntwana ngamnye ngonyaka?

Ukuba unako ukugcina ngaphezu kwe-$ 2000 ngonyaka, iSicwangciso se-Savings seCandelo 529 sinokuzikhethela kakuhle. Iifomthi kuphela ezibekwe kwiimveliso kwiCandelo 529 lokulondolozwa kwezicwangciso "totals" totals kumntwana ngamnye. Ngamaqondo angamaxesha aphilileyo aphuma kwi-$ 100,000 ephantsi ukuya kuma-dollar angama-300,000, abaninzi abazali banokufaka isandla kwiintliziyo zabo.

Kulungile, ezi zibalo zikhula zihlawulwe irhafu kwaye ziyakuthi zihoxiswe irhafu. Eyona nto ibaluleke kakhulu, ii-akhawunti zeCandelo 529 zivumela i-asethi ukuba ihlale phantsi kolawulo lomzali okanye umniki-mali ngonaphakade. Baye bavunyelwa ukuba bathathe i-asethi emva kokusetyenziswa kwabo.

Ukuba awukwazi ukugcina i-$ 2000 ngonyaka, ngakolunye uhlangothi, ngoko i-Coverdell ESA inokuba yinto enhle kuwe. I-Coverdell ESA inika inkululeko ekukhetheni utyalo-mali, kunye nemigangatho eninzi kakhulu yokusetyenziswa kwemali (kubandakanya ukufundiswa kwamabanga ase-K-12). Icala le-Coverdell lomelele ngakumbi xa unabantwana abaninzi. Oku kubangelwa kukuba ungadlulisela imali engasetshenziswanga ukuya kwenye i- akhawunti ye-Coverdell , okanye usebenzise imali ukusekela enye entsha yamalungu entsapho, kuquka nabazukulwana.

Umbuzo # 4: Kuthiwani ngeGGMA, i-UTMA, i-Roth IRAs, kwaye ithemba?

Ngelixa ezi zithuthi zinikezela ngamathuba athile okucwangcisa, abayi kukhonza ezininzi iintsapho kunye neCandelo 529 izicwangciso okanye i-Coverdell ESA. I-UGMA kunye ne-akhawunti ye-UTMA yokuxhaswa ibalwe phantse ngokuphindaphindiweyo ngokumalunga nokuncediswa kwezezimali, kwaye kufuneka ukuba i-asethi ihanjiswe kumntwana ngaphantsi kweminyaka engamashumi amabini anesibini. I-Coverdell ESA okanye i-akhawunti yeCandelo 529 inikezela ngeenzuzo ezifanayo zerhafu njengeRoth IRA, ngaphandle kokuchitha ithuba elifanelekileyo lokulondoloza umhlalaphantsi wakho. Iingxowa zinokuzwakala zimnandi, kodwa zibiza kakhulu ukusetha nokusebenza. Musa ukucingisisa enye ngaphandle kokuba ufuna ukugqithisa ubuninzi obuvumelekileyo kwiCandelo 529 Isicwangciso somnikelo.