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College Savings Season

College Planning
随着五月的到来,学年的结束近在眼前. It’s a big time of year for students and parents alike. 不管你的学生是幼儿园毕业还是高中毕业, 正是在这个节骨眼上,未来开始成为人们关注的焦点. No matter their age, many of these students will eventually be off to college someday, which begs the question: how on earth are they going to afford it?

As we all know by now, 接受大学教育并不便宜,而且短期内也不会变得便宜. Parents are frequently looking for ways to help their kids out. 无论你是希望支付孩子的学费,还是只是想帮点忙, contributing to a 529 plan for your child can be a great option. Here’s why:

 

TAX-FREE GROWTH

529 plans, named after the IRS code that created them, 提供一种简单的储蓄方式,同时提供税收优惠和各种投资选择,让钱增长. The primary benefit of 529 plans is that 收入增长是免税的,如果用于合格的大学费用,则永远不会被征税. 这些费用可以是学费、食宿费、书本费和其他各种费用.

 

INDIANA TAX CREDIT

可能还有其他的优势,这取决于你住在哪里. 不同的州有不同的529个计划,每个计划都为居民提供自己的福利. Indiana’s CollegeChoice 529 plan 之所以特别好是因为,除了提供可靠的投资选择外, residents get a 20% tax credit for contributions up to $5,000.

请注意,这是一种税收抵免(而不是扣减),意思是你可以得到全额的20%来减少你欠的州税或增加到你的退款中. If you would have owed the state $100, but contributed $5,000 to an Indiana 529 plan, you get a $1,000 credit, which would change your $100 debt to a $900 refund.

 

INVESTMENT OPTIONS

再说一次,这些计划因州而异,但每个计划都有一个投资选项菜单供你选择. Often times, 这些选择包括“目标日期”或“基于年龄”的选项,成本低,不需要持续维护. 他们一开始会积极投资,随着学生接近大学年龄,他们会变得更加保守.

Investing these dollars can be extremely impactful over time. There are no guarantees, 但是在18年的时间里,从出生到大学年龄, history tells us to expect some very nice growth. 这种增长是免税的,这一事实使这种增长更加强大.

 

HIGH LIMITS

对于那些希望积极储蓄的人来说,另一个好处是缴费的上限. Each parent can contribute up to $15,000 per student annually, free and clear of any tax ramifications. 如果你愿意申报赠与税,你还可以捐更多的钱. 我们建议在做这件事之前进行一次彻底的税务和遗产评估,但我们别无选择.

There are also no income limits. 任何个人或家庭,无论他们赚多少钱,都可以把钱投入529计划.

 

CONTROL

In most cases, the owner 529计划包括学生的父母、祖父母或其他监护人. The owner always has control over the account, and determines when the money comes out and where it goes. 学生是受益人,无论年龄多大,都不能控制账户. 这对于那些担心学生是否有能力负责任地花钱的人来说很有帮助.

 

FLEXIBILITY

529计划可用于各种直觉:本科或研究生, public or private, trade schools, and so on. 在某些情况下,在一定程度上,它们甚至可以用于K-12的费用.

Worried that your child will not attend any of these schools, or will get scholarships to cover most costs? 529个计划可以转移给其他受益人,只要他们在同一家庭内. 这意味着这些钱可以给其他兄弟姐妹、表亲、侄女、侄子等等.

一种很酷的可能性是:在某些情况下,当一个孩子没有使用他们所有的529计划基金时, 家长/所有者可以选择把钱投资到学生有自己的家庭之前, and change the beneficiary to the original student’s children, making this a very cool legacy gift from grandma and grandpa.

 

对于那些想为上大学存钱的人来说,529计划通常是最好的选择,但也不总是这样. 还有其他策略和账户类型可以利用. 我们建议您咨询专业人士,以确保您为自己和家人做出最佳选择.

Additionally, 如果我没有提到为大学储蓄不一定是你的首要任务,那就是我的疏忽了. 我们经常看到父母为了让孩子完成学业而竭尽全力, and then they don’t have enough money to take care of themselves. 虽然并不总是理想的,但学生总是可以申请大学贷款. There is no such thing for retirement.

If you want to get started savings for your children’s school, or want a second opinion on what you already have in place, we would be happy to help. I recommend checking out CollegeChoiceDirect for more information on the Indiana plan, and SavingForCollege for general information on 529 plans and college savings.

About the Author: Josh Bentz

Josh Bentz, CFP®, Wealth Advisor, 通过提供全面的服务帮助客户组织和简化他们的财务生活, personal financial planning. 作为一名财富顾问,Josh为客户提供全面的财务规划. 他喜欢了解个人和家庭,这样他就能给出具体的、有意义的建议. 他相信作为一名受托人,做对客户最有利的事.