529 plan \u6700\u5927\u7684\u597d\u5904\u5c31\u662f\u7701\u7a0e\uff0c\u7b80\u5355\u70b9\u8bf4\u5b83\u548cROTH IRA \u5b9e\u9645\u5dee\u4e0d\u591a\uff0c\u4e00\u4e2a\u662f\u4e3a\u6559\u80b2\u5b58\u94b1\uff0c\u4e00\u4e2a\u662f\u4e3a\u4e86\u9000\u4f11, \u8bb0\u4f4f\u4e24\u70b9\uff1a<\/p>\n\n\n\n
1.\u00a0\u00a0\u00a0\u00a0\u4f60\u6295\u5165\u7684\u94b1\u662f\u7a0e\u540e\u7684\uff0c\u4e5f\u5c31\u662f\u5b58\u5165\u7684\u94b1\u4e0d\u53ef\u4ee5\u62b5\u7a0e\u3002<\/p>\n\n\n\n
2.\u00a0\u00a0\u00a0\u00a0\u5728\u8d26\u6237\u91cc\u7684\u94b1\u751f\u94b1\u662f\u514d\u7a0e\u7684,\u00a0\u5982\u679c\u7528\u4e0e\u5927\u5b66\u6216\u7814\u7a76\u9662\u7684\u5b66\u8d39\uff0c\u4e66\u672c\uff0c\u7535\u5b50\u8bbe\u5907\u7b49\u3002\u5982\u679c\u5b69\u5b50\u4e0aK-12\u7684\u79c1\u7acb\u5b66\u6821\uff0c\u4f60\u4e5f\u53ef\u4ee5\u6bcf\u5e74\u4ece529\u91cc\u53d6\u51fa$10,000\u00a0\u6765\u4ed8\u5b66\u8d39\u3002<\/p>\n\n\n\n
\u8fd9\u4e2a\u7701\u7a0e\u5230\u5e95\u6709\u591a\u5927\u4ef7\u503c\u5462\uff1f\u6765\u505a\u4e2a\u6bd4\u8f83\uff0c\u4f60\u6295\u516510\u4e07\uff0c\u8fc7\u4e8610\u00a0\u5e74\u4f60\u670920\u4e07\uff0c\u6323\u4e8610\u4e07\uff0c\u5047\u8bbe\u6295\u8d44\u56de\u62a5\u4ea4\u7684\u8054\u90a6\u7a0e\u662f$15000\uff0c\u6295\u8d44529 plan\u00a0\u6bd4\u4e00\u822c\u6295\u8d44\u6536\u76ca\u5c31\u7701\u4e86\u8fd9$15000\u3002\u8fd9\u90e8\u5206\u8fd8\u53ea\u662f\u8054\u90a6\u7a0e\u4e0a\u7684\u3002\u7f8e\u56fd\u6709\u90e8\u5206\u5dde\u8fd8\u6709\u53e6\u5916\u5355\u72ec\u9488\u5bf9529\u00a0\u7684\u00a0\u5dde\u4f18\u60e0\u653f\u7b56\u3002<\/p>\n\n\n\n
NO 1:\u5982\u679c\u6295\u4e86529\uff0c\u4ee5\u540e\u4f1a\u51cf\u5c11\u5927\u5b66\u52a9\u5b66\u91d1\u7533\u8bf7\u3002<\/p>\n\n\n\n
\u8fd9\u8bdd\u5bf9\uff0c\u4f46\u662f\uff0c529 plan\u00a0\u503c\u4e0d\u503c\u5f97\u6295\u8d44\u4e3b\u8981\u53d6\u51b3\u4e0e\u5bb6\u5ead\u6536\u5165\u548c\u8d44\u4ea7\u3002\u5982\u679c\u4f60\u662f\u5c5e\u4e8e\u7b49\u7740\u62a5\u7a0e\u62ff\u201cEarned Income tax credit\u201d \u4f4e\u6536\u5165\u62a5\u7a0e\u798f\u5229\uff0c\u7edd\u5bf9\u4e0d\u8981\u6295529\u00a0\uff0c\u4e00\u70b9\u610f\u4e49\u4e5f\u6ca1\u6709\u3002\u4f46\u5982\u679c\u4f60\u5bb6\u5ead\u6536\u5165\u4e0d\u662f\u8d2b\u56f0\uff0c\u4f4f\u7684\u5b66\u533a\u623f\uff0c529 plan\u5e94\u8be5\u662f\u5b69\u5b50\u6559\u80b2\u50a8\u84c4\u6700\u597d\u7684\u5de5\u5177\u3002\u7279\u522b\u662f\u5728\u4e1c\u897f\u6d77\u5cb8\u4e0a\u73ed\u7684\uff0c\u5927\u591a\u6536\u5165\u90fd\u4e0d\u9519\uff0c\u4e00\u822c\u5bb6\u5ead\u54ea\u6015\u53ea\u6709\u4e00\u4e2a\u4eba\u5de5\u4f5c\uff0c\u57fa\u672c\u4e0a\u4f60\u5b69\u5b50\u548c\u00a0financial Aid\u00a0\u7684\u7f18\u4efd\u5c31\u5f88\u6d45\u4e86\u3002<\/p>\n\n\n\n
529 plan\u00a0\u662f\u5c5e\u4e8e\u5bb6\u957f\u7684\u8d44\u4ea7\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u5728529plan\u00a0\u91cc\u7684\u94b1\u548c\u4f60\u4e0d\u6295529\uff0c\u653e\u5728\u5176\u4ed6\u8d26\u6237\u91cc\u7684\u94b1\uff0c\u5728\u7533\u8bf7\u52a9\u5b66\u91d1\u8ba1\u7b97\u65f6\uff0c\u5e76\u6ca1\u6709\u672c\u8d28\u533a\u522b\u3002<\/p>\n\n\n\n
NO 2:\u00a0\u6211\u4eec\u5bb6\u4f4f\u5728Florida,\u4e5f\u6ca1\u5dde\u7a0e\uff0c\u6216\u8005\u662f\u6211\u4eec\u5dde\u5bf9529\u00a0\u4e0d\u63d0\u4f9b\u4efb\u4f55\u653f\u7b56\u4f18\u60e0,\u00a0\u6295\u5b83\u5e72\u4ec0\u4e48\uff1f<\/p>\n\n\n\n
\u6ca1\u6709\u5dde\u7a0e\u7684\u597d\u5904\uff0c\u4f46\u6709\u8054\u90a6\u7a0e\u7684\u597d\u5904\u3002\u89c1\u4e0a\u6587\u3002\u7f8e\u56fd\u6709\u67d0\u4e9b\u5dde\u4e3a529 plan\u63d0\u4f9b\u7a0e\u52a1\u4f18\u60e0\uff0c\u7ebd\u7ea6\u5dde\u548cIllinois\u5dde\u90fd\u662f\u3002\u5b69\u5b5018\u5e74\u4e0b\u6765\uff0c\u7d2f\u8ba1\u7701\u7a0e\u7684\u6570\u5b57\u76f8\u5f53\u53ef\u89c2\u3002<\/p>\n\n\n\n
NO 3:\u6211\u4eec\u5bb6\u5b69\u5b50\u975e\u5e38\u4f18\u79c0\uff0c\u4e07\u4e00\u6709\u62ff\u5230\u5956\u5b66\u91d1\u4ee5\u540e\uff0c\u90a3\u4e0d\u662f\u6d6a\u8d39\u4e86\u5417\uff1f<\/p>\n\n\n\n
529plan\u00a0\u6709\u4e00\u6761, \u201cNo Genius Penalty\u201d,\u00a0\u5982\u679c\u5b69\u5b50\u5c06\u6765\u4e0a\u4e86Military Academy\uff08\u519b\u6821\u514d\u5b66\u8d39\uff09\u6216\u6709\u5956\u5b66\u91d1\uff0c\u4f60\u53ef\u4ee5\u4ece529plan\u4e2d\u63d0\u53d6\u5956\u5b66\u91d1\u90e8\u5206\uff0c\u5e76\u4e14\u6ca1\u670910%\u00a0\u7684\u7f5a\u6b3e\uff0c\u4f46\u589e\u503c\u90e8\u5206\uff08earning\uff09\u8981\u4ea4\u7a0e,\u8fd9\u6837\u7684\u8bdd\uff0c\u8fd9\u90e8\u5206\u6295\u8d44\u5c31\u53d8\u6210\u5ef6\u8fdf\u4ea4\u7a0e\uff0c\u597d\u5904\u4e5f\u662f\u5927\u5927\u7684\u3002<\/p>\n\n\n\n
\u00a0529 plan\u00a0\u5bf9\u5927\u90e8\u5206\u91cd\u89c6\u6559\u80b2\u7684\u4e2d\u4ea7\u6216\u4e2d\u4ea7\u4ee5\u4e0a\u662f\u4e2a\u975e\u5e38\u597d\u7684\u50a8\u84c4\u5de5\u5177\uff0c\u4f46\u4e8b\u7269\u6ca1\u6709\u7edd\u5bf9\u7684\u3002\u5b83\u7684\u4e3b\u8981\u4e0d\u8db3\u4e4b\u5904\u6709\u4ee5\u4e0b\u51e0\u70b9\uff1a<\/p>\n\n\n\n
1. \u6295\u8d44\u9009\u62e9\u5c11\uff1a\u6bcf\u4e2a\u5dde\u90fd\u6709\u81ea\u5df1\u7684529plan\uff0c\u6709\u4e9b\u5dde\u7684\u6295\u8d44\u9009\u62e9\u5e76\u4e0d\u662f\u5f88\u597d\uff0c\u57fa\u91d1\u8d39\u7528\u4e5f\u6bd4\u8f83\u9ad8\u3002\u800c\u4e14\u4f60\u7684\u6295\u8d44\u53ea\u5c40\u9650\u4e8e\u4f60\u9009\u62e9\u7684529 plan \u6240\u63d0\u4f9b\u7684\uff0c\u6295\u8d44\u9762\u6709\u5f88\u5927\u5c40\u9650\u6027\uff1b<\/p>\n\n\n\n
2.\u00a0\u00a0\u00a0\u6bcf\u4e2a\u5dde\u7684529 plan\u00a0\u90fd\u4e0d\u4e00\u6837\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u6295\u8d44\u4efb\u4f55\u4e00\u4e2a\u5dde\u7684529 plan\uff0c\u4e5f\u53ef\u4ee5\u540c\u65f6\u62e5\u6709\u51e0\u4e2aplan\u3002\u5404\u4f4d\u9700\u8981\u505a\u597d\u5c3d\u804c\u8c03\u67e5\uff0c\u5206\u6790SalesLoads\uff0cExpense Ratio\u3002<\/p>\n\n\n\n
3.\u00a0\u00a0\u00a0\u5982\u679c529 plan\u63d0\u53d6\u7684\u94b1\u4e0d\u7528\u4e0e\u6559\u80b2\u7684\u8bdd\uff0c\u9664\u4e86\u8981\u4ea4\u7a0e\uff0c\u8fd8\u6709\u4ea410%\u00a0\u7684\u7f5a\u91d1\u3002\u4f46\u662f529 \u662f\u6ca1\u6709\u5230\u671f\u65e5\u7684,\u5982\u679c\u6709\u591a\u4f59\uff0c\u4f60\u53ef\u4ee5\u8f6c\u7ed9\u5bb6\u91cc\u5176\u4ed6\u5b69\u5b50\uff0c\u5305\u62ec\u7559\u7ed9\u5b59\u5b50\u548c\u5b59\u5973\uff0c\u6216\u8005\u7559\u7740\u81ea\u5df1\u8bfb\u8001\u5e74\u5927\u5b66\u7528\u3002<\/p>\n\n\n\n
4. 529Plan Asset \u5927\u591a\u5c5e\u4e8eParent asset, \u76f4\u63a5\u5f71\u54cdEFC \u8ba1\u7b97, \u7684\u786e\u4f1a\u5f71\u54cd\u4f60\u5927\u5b66\u52a9\u5b66\u91d1\u7684\u7533\u8bf7\uff0c\u5982\u679c\u4f60\u7684\u8d44\u4ea7\u4e0e\u6536\u5165\u7b26\u5408\u7533\u8bf7\u6761\u4ef6\u3002<\/p>\n\n\n\n
\u5728\u6295\u8d44529 Plan\u65f6\uff0c\u53ef\u4ee5\u9009\u62e9\u7528Direct-sold plan\uff0c\u5c31\u662f\u4f60\u76f4\u63a5\u4eceFund \u516c\u53f8\u4e70\uff0c\u6216\u8005\u4e5f\u53ef\u4ee5\u627e\u6211\u8fd9\u6837\u7684\u6295\u8d44\u987e\u95ee\u5e2e\u4f60\u7ba1\u7406\u5efa\u8bae Advisor -Sold Plan\uff0c\u4e24\u79cd\u6295\u8d44\u65b9\u5f0f\u53ea\u80fd\u8bf4\u5404\u6709\u5343\u79cb\u3002\u8fd1\u51e0\u5e74\u8fd9\u4e24\u79cd Plan Assets \u5927\u7ea6\u662f\u4e00\u534a\u5bf9\u4e00\u534a\u3002<\/p>\n\n\n\n
\u6709\u5f88\u591a\u4eba\u95ee\u6211\uff0c\u6211\u5b69\u5b50\u90fd\u5feb10\u5c81\u4e86\uff0c529 plan\u8fd8\u4e00\u5206\u94b1\u6ca1\u5b58\uff0c\u90a3\u53ef\u600e\u4e48\u529e\uff1f\u8bb8\u591a\u4eba\u4e0d\u77e5\u9053IRS \u5bf9529\u6709\u4e00\u4e2a\u201cFront Load\u201d Rule, IRS \u5141\u8bb8\u4f60\u4e00\u4e0b\u5b50\u201dfront load\u201d \u4e94\u5e74\u7684529 Contribution, \u6ca1\u6709Gift tax \u7684liability\u3002\u6700\u7ecf\u5178\u7684\u4f8b\u5b50\u662f2007 \u524d\u603b\u7edf\u5965\u5df4\u9a6c\u592b\u5987\uff0c\u4e00\u6b21\u6027\u4e3a\u4e24\u4e2a\u5973\u513f\u6295\u8d44\u4e8624\u4e07\u5728529 plan\u3002\u4e00\u4e2a\u5973\u513f6\u4e07\uff08$12,000 x 5\uff09,\u7b97\u4e0a\u592b\u59bb\u4e24\u4e2a\u4eba\uff0c\u4e24\u4e2a\u5973\u513f($60,000x 2×2 ), total 24 \u4e07\u3002\u5373\u4f7f\u7b97\u4e0a2008-2009\u7684\u5927\u8dcc\uff0c\u5c31\u8fd911\u5e74\u7684\u6295\u8d44\u56de\u62a5\uff0c\u6211\u4f30\u8ba1\u4ed6\u4eec\u4e24\u4e2a\u5973\u513f\u7684\u5927\u5b66\u8d39\u7528\u5e94\u8be5\u662f\u591f\u4e86\u3002<\/p>\n\n\n\n
\u603b\u7684\u6765\u8bf4\uff0c\u6211\u89c9\u5f97\u6295\u8d44529 plan\u00a0\u5bf9\u7edd\u5927\u591a\u6570\u534e\u4eba\u5bb6\u5ead\uff0c\u7279\u522b\u662f\u53cc\u804c\u5de5\u5bb6\u5ead\uff0c\u5229\u5927\u4e8e\u5f0a\u3002\u4f46\u8fd9\u4e16\u754c\u4e0a\u4ece\u6765\u6ca1\u6709\u4ec0\u4e48\u4e1c\u897f\u662f\u201cOne formula fits all\u201d(\u00a0\u540c\u4e00\u4e2a\u516c\u5f0f\u9002\u5408\u6240\u6709\u4eba),\u8bf7\u4e00\u5b9a\u54a8\u8be2\u4f60\u7684\u4f1a\u8ba1\u5e08\u548c\u7406\u8d22\u5e08\uff0c\u505a\u51fa\u5bf9\u81ea\u5df1\u6700\u6709\u5229\u7684\u51b3\u5b9a\u3002\u6295\u8d44\u662f\u8d8a\u65e9\u8d8a\u597d\u3002\u53e6\u5916\uff0c\u6211\u60f3\u63d0\u9192\u4e00\u4e0b\u90a3\u4e9b\u5b69\u5b50\u53ea\u52691-2\u5e74\u5c31\u8981\u4ed8\u5927\u5b66\u8d39\u7528\u7684\u5bb6\u957f\uff0c\u5982\u679c\u73b0\u5728\u8bbe\u7acb529\uff0c\u6211\u4e2a\u4eba\u8ba4\u4e3a\u4e0d\u89c1\u5f97\u5408\u9002\u3002\u56e0\u4e3a\u6295\u8d44\u65f6\u95f4\u592a\u77ed\uff0c\u800c529 plan\u00a0\u4e00\u822c\u6709\u6bd4\u8f83\u9ad8\u7684expense ratio,\u00a0\u6709\u7684\u8fd8\u6709\u5f88\u9ad8\u7684sales load fee,\u00a0\u53ea\u6295\u8d441-2\u5e74\uff0c\u4e0d\u4e00\u5b9a\u6709\u610f\u4e49\u3002<\/p>\n\n\n\n
\u514d\u8d23\u7533\u660e\uff1a\u4ee5\u4e0a\u89c2\u70b9\u6765\u81ea\u7f51\u7edc\uff0c\u4e0d\u4ee3\u8868\u5b89\u4f01\u89c2\u70b9\u6216\u5efa\u8bae\u3002\u6bcf\u4e2a\u4eba\u6536\u5165 \u8d44\u4ea7\u4e0d\u540c\uff0c\u9700\u5177\u4f53\u5206\u6790\uff0c\u4e0a\u6587\u4e0d\u8db3\u4ee5\u4f5c\u4e3a\u7a0e\u52a1\u5efa\u8bae\u3002<\/p>","protected":false},"excerpt":{"rendered":"
529 plan \u6700\u5927\u7684\u597d\u5904\u5c31\u662f\u7701\u7a0e\uff0c\u7b80\u5355\u70b9\u8bf4\u5b83\u548cROTH IRA \u5b9e\u9645\u5dee\u4e0d\u591a\uff0c\u4e00\u4e2a\u662f\u4e3a\u6559Continue reading “529\u8ba1\u5212”<\/span><\/a><\/p>","protected":false},"author":193913333,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-1198","page","type-page","status-publish","hentry","entry"],"jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PcpT9h-jk","_links":{"self":[{"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/pages\/1198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/users\/193913333"}],"replies":[{"embeddable":true,"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/comments?post=1198"}],"version-history":[{"count":3,"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/pages\/1198\/revisions"}],"predecessor-version":[{"id":1202,"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/pages\/1198\/revisions\/1202"}],"wp:attachment":[{"href":"https:\/\/usaaqtax.com\/en\/wp-json\/wp\/v2\/media?parent=1198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}