Imithetho yokubamba iR $ 4,000 yokuThuthwa kweRhafu yeNkxaso-mali ye-VA 529
Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Iintlawulo kwi-Virginia529 ii-akhawunti zikhula zikarhulumente zerhafu kunye neentlawulo ezikarhulumente kwaye zifakwe kwiinjongo zerhafu yengeniso xa zisetyenziselwa iindleko zemfundo ephakamileyo.
Awuhlawuli irhafu yengeniso njengoko igalelo lakho likhula kwaye akukho ntlawulo yengeniso xa usebenzisa imali yeendleko zemfundo ephakamileyo ezifanelekileyo. I-529 inokurhoxiswa ukuhlawula ukufundiswa, indawo kunye nebhodi kunye nezinye iindleko zemfundo, njengeencwadi zezifundo okanye izinto.
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. UVirginia unikezela okukhethwa kukho:
- UVirginia 529 Utyalo-mali : Esi sicwangciso sinikezelwa ngqo kwilizwe. I-Virginia ye-Invest529 ye-state-administered 529 program yokonga iquka umxube weengxowa-mali ezihlukeneyo kunye neengxelo ezilawulwa ngokwahlukileyo kwiinketho zephothifoliyo ezisekelwe kwixesha elide, ezise-static kunye ne-FDIC. U-Invest529 uhlelwe ngokukhawuleza phakathi kwezicwangciso eziphambili ezingama-529 eziyimithombo ezizimeleyo ngenxa yemirhumo ephantsi, iintlawulo zerhafu kunye nokukhethwa kweentlobo ezahlukeneyo zokutyalomali zizathu.
- Ikholeji yaseMelika : Ngokubambisana neAmerican Funds, enye yezona nkampani ezindala kunye nezona zikhulu zenkxaso-mali kwilizwe, eli cwangciso lilawulwa kwaye lithengiswa ngabacebisi kwaye linamathuba amaninzi okutyalomali-mali, okuquka isicwangciso-mali esisekelwe kwixesha elidala esilondoloze ngakumbi umxhamli uya kufutshane nekholeji.
Kubahlali baseburhulumenteni kuphela, iVirginia inikezela kwakhona inkqubo yokufundela i-529 ehlawulwe ngaphambili. Ngayinye i-Prepaid529 i-semester ethengiweyo ibandakanya i-semester ezayo kwi-state kunye neimfuno eziyimfuneko kwiikholeji zikarhulumente ezimbini okanye ezine zeminyaka e-Virginia.
Izinzuzo Zerhafu Zenza Igalelo le-Virginia 529
I-Virginia529 abanikazi beakhawunti abangabakhokhi berhafu baseVirginia banokubamba igalelo ukuya kwii-4,000 ze-akhawunti nganye nge-nganye kwirejista yabo yentlawulo yengeniso yelizwe kunye nexesha elingenamkhawulo ekuqhubeni phambili kwerhafu, ngokubhekiselele kwimimiselo ethile. Ngokomzekelo, ukuba unika i-$ 5,000 kwi-plan yokulondolozwa engu-529 kunyaka owodwa, eVirginia ungadola i-$ 4,000 ekubuyiselweni kwerhafu kwaloo nyaka kunye ne-$ 1,000 kwimbuyekezo yakho yentlawulo yonyaka olandelayo. Abo bantu abaneminyaka engama-70 nangaphezulu bangadlulisa yonke imali eyabanjelwe kwi-akhawunti yakwaVirginia529 ngonyaka omnye.
Ngaba kukho iindleko zokuqalisa ukutshala imali?
Ezi zikhetho zombini zifuna imali encinane yesicelo ngaphambi kokuba i-akhawunti ivule. Ezi zicwangciso zinamanani aphantsi kwaye unokuba negalelo elincane kakhulu ngenyanga.
Yiyiphi i-Maximum Ndingayinayo kwi-Plan ye-Savings 529 eVirginia?
Iintsapho ezininzi zikhetha ukubhalisa kwiiprogram ezininzi zaseVirginia529. Ixabiso le-Akhawunti kuzo zonke iiprogram zingadluli i-$ 500,000 ngamnye ngomxhamli.
Ingaba umfundi ufanele aye esikolweni eVirginia?
Umxhamli angasebenzisa imali esuka kwisiCwangciso seVirginia 529 sokuya kuzo nayiphi na isikolo seminyaka emibili okanye esinegunya, kuquka iikholeji zaseburhulumenteni nakwiikholeji.
Kuthekani ukuba uMfundi wam akayi kuKholeji?
Ukuba umntwana wakho uthabatha ukuthatha ikhefu emva kwesikolo esiphakamileyo ngaphambi kokuya kwiikholeji, icebo lokulondoloza lama-529 lihlala linyanzele. Akukho mingcipheko yobudala kwisicwangciso; ukuba umfundi wakho unquma kwiminyaka embalwa ukuya esikolweni, ngoko umfundi unokukwenza ukurhoxiswa kwi-akhawunti kwiindleko zemfundo.
Ukuba umntwana wakho enquma ukuba akayi kwikholeji nonke, unokutshintsha umzuzi kumnye umntu, njengomlingane, umntakwabo okanye umhlobo. Kwakhona, unakho ukhetho lokurhoxisa imali ngokwakho, kodwa loo nto inokuza neentlawulo ezininzi. Imali oyihoxisayo kwiindleko ezingezizo zemfundo zixhomekeke kwisigwebo esiphezulu kwaye ihlawuliswa njengeniso.
Esi sisigqibo esimele senziwe ngononophelo, njengoko sinokubiza kwaye sidle inxalenye ebalulekileyo yeminikelo yakho kunye nemvuzo.