Imigaqo kunye nezikhokelo zeCandelo 529
Inzuzo enkulu, nangona kunjalo, ifika xa ixesha lokuba umfundi aqale ukusebenzisa iikholeji.
Ukwazi ukuba kukho imali esele igcinwe kule njongo yenza inkqubo yonke yokufaka isicelo soxanduva lwezezimali kunye nokukhangela i-scholarships ingakhathazeki kakhulu.
Ngaphambi kokufika kwezicwangciso zeCandelo 529, abazali ababefuna ukugcina kwimfundo yekholeji yabantwana babenokhetho oluncinane.
Ezi zikhetho zazincitshiswa ngokungakhathaliseki ukuba igama lomntwana okanye abazali bahamba kwi-akhawunti. Yonke into yatshintshwa ngo-1996 xa iCongress yadlulisela uMthetho woKhuseleko wezeNkqutyana. Njengelungiselelo lalo msebenzi, iCandelo 529 iikholeji zeekholeji zenziwe. Ezi ngxelo zinikeza abazali ithuba lokuncedisa irhafu yokugcina imali kwiikholeji, kwaye bavumela ukuba bahlale belawula ngokusisigxina kwiimpahla. Nazi ezinye iinkalo ezibalulekileyo ekufuneka ziqaphele xa ziqwalasela izicwangciso ezingama-529 zokunceda ukugcina iikholeji:
Izinzuzo kunye nokufaneleka
Imithetho yokufaneleka ejikeleze izicwangciso zeCandelo 529 zininzi kakhulu kuneenqwelo-moya kunezinye izithuthi ezongeziweyo ezifana neRoth IRAs.
Nabani na onokufaka isandla kwisicwangciso seCandelo 529, kungakhathaliseki ukuba bangakanani imali abayenzayo; Nangona kunjalo, kufuneka ukuba baqaphele ukunciphisa intela yesipho sase-US, kwaye baqonde ukuba izipho ezinkulu zingathintela njani irhafu yabo.
Abazali kunye nabanye abafuna ukukunceda ukubeka imali ngaphandle kweendleko zekholeji basebenzisa ezi ngxelo zentengo-mali-mali, kuba bayazi ukuba nayiphi na ukwanda kweso sakhiwo ikhululekile kwiirhafu zentlawulo kunye nombuso.
Zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. 33 kwaye iSithili sase-Columbia siphinde sikhokhe iirhafu zorhulumente ngokurhoxisa, kunye nezinye izibonelelo.
Izabelo
Xa uvula i-akhawunti yeCandelo 529, umzali okanye umnini-akhawunti kufuneka ukuba akhethe umxhamli. Lo "umxhamli otyunjweyo" ngokuqhelekileyo ungumfundi ozakuya kwikholeji ekugqibeleni.
Xa ukusasazwa kwenziwa kwi-akhawunti kwiindleko zemfundo ezifanelekileyo zalo mzuzi, akukho ntlawulo yerhafu ekukhuleni kotyalo-mali lwangempela. Iindleko zemfundo zichazwe ngokubanzi kwiiplani zeCandelo 529 kwaye ziquka izinto ezifana neifom, iincwadi, kunye nokuhamba.
Ukuba ukusabalalisa kungakhange kuthathwa njengokuba kufanelekile, irhafu yengeniso ye-Federal iza kubakho ngenxa yokukhula kotyalo-mali, kwaye inokufumana isohlwayo se-10 ekhulwini.
Ubumnini bobuchule
Ukuba umxhamli otyunjweyo akayi kwiikholeji, okanye imali ingasetyenziswanga, umzali okanye umnini-akhawunti unokutshintsha umxhamli-umzekelo kumntwana omncinci okanye umhlobo. Imithetho ye-IRS iguquguquke kakhulu kwaye ivumele umxhamli ukuba ashintshwe kuye nawuphi na ilungu losapho, kunye nenzala yomzuzwana wokuqala.
Iimiphumo zoNcedo lwezeMali
I-akhawunti yeCandelo 529 ngokuqhelekileyo ithathwa njengexabiso lomzali, oko kuthetha ukuba i-5.6 ekhulwini yexabiso kulindeleke ukuba isetyenziswe ekolishi. Oku kunika inzuzo enkulu kwi-akhawunti yeGMA / i-UTMA, efuna ukuba iipesenti ezingama-20 zeempahla zisetyenziswe kwikholejini.
ICandelo 529 Ababoneleli
Isicwangciso ngasinye se-529 selizwe sihluke kakhulu, kwaye amaninzi amaninzi asebenzisa abaphathi abatyalo-mali abahlukeneyo ukuba baphathe i-assets assets. Okukhethwa kwakho kotyalomali kudla ngokukhawulelana neengxowa-mali ezidibeneyo kwisicwangciso ngasinye. Nangona ngokubanzi ungasebenzisa nayiphi na isicwangciso ukuya kwikholeji kunoma yiphina imeko, kufuneka ukhangele ukuba ingahlawulwanga yini iirhafu zerhafu yengeniso.
Isishwankathelo
Icandelo 529 Izicwangciso ze-College savings kufuneka zibe phezulu kwoluhlu kubazali nakwabanye abafuna ukugcina imfundo yomthandayo.
Nangona kukho imigaqo ethile efuna ukuqonda, iintlawulo zerhafu kunye nobunini bobunzima bezi zicwangciso zibenza bafanele ixesha lokutshala imali. Ngaphezu koko, ekugqibeleni uyakufumana ukwaneliseka kokubona umfundi owamncedayo ukuhamba kuloo nqanaba kwaye ufumane idiploma ukuza ixesha lokugqiba.