529 College Savings Planer, opført af staten
529 College Savings Plan Explained
Indholdsfortegnelse:
Investmentmatome anbefaler at bruge 529 planer om at spare på college. Der er to typer:
- 529 college besparelser planer er den mest almindelige type. Investeringerne bliver skattefrie og kan trækkes skattefri for uddannelsesudgifter som undervisning, værelse og pension og nødvendige lærebøger.
- 529 forudbetalte planer Lad dig forudbetale en del af eller en offentlig offentlig undervisning, der låses i undervisningen på tidspunktet for betalingen.
I modsætning til pensions- og andre investeringsregnskaber drives 529 planer af hver stat, hvilket gør søgning efter den bedste løsning ret let; hvis din stat tilbyder et skattefradrag for at bidrage, vil du sandsynligvis få mest bang for din buck ved at bidrage til sin plan.
Men en fælles misforståelse er, at du skal bidrage til din stats plan. I virkeligheden er du fri til at vælge en plan, du vil have, så det er værd at sammenligne dine muligheder (og nogle stater, som Colorado, tilbyder mere end en 529 plan).
Læs mere om 529 planregler her.
Vi anbefaler direkte solgte planer: De sælges direkte af staten, snarere end gennem en rådgiver, som betyder lavere gebyrer for investorer. Nedenfor er to lister, en for hver type plan, der viser direkte solgte 529 planer pr. Stat.
College besparelser planer af staten
| Stat | Plan navn | Indeholder denne stat en skattefordel for bidragsydere i staten? | Minimumsbidrag |
|---|---|---|---|
| Alabama | CollegeCounts 529 plan | Ja | $0 |
| Alaska | University of Alaska College Savings Plan | Ingen | $250 |
| Arizona | Arizona Family College Savings Program | Enhver stats plan | $50 |
| Arkansas | GIFT College Investeringsplan | Ja | $25 |
| Californien | ScholarShare College Savings Plan | Ingen | $25 |
| Colorado | CollegeInvest Direct Portfolio College Savings plan | Ja | $25 |
| Connecticut | Connecticut Higher Education Trust | Ja | $25 |
| Delaware | Delaware College Investeringsplan | Ingen | $50 |
| District of Columbia | DC 529 College Savings Program | Ja | $25 |
| Florida | Florida 529 Savings Plan | Ingen | $0 |
| Georgien | Path2College 529 plan | Ja | $25 |
| Hawaii | Hawaii's College Savings Program | Ingen | $15 |
| Idaho | Idaho College Savings Program | Ja | $25 |
| Illinois | Bright Start College Savings Program | Ja | $0 |
| Indiana | CollegeChoice 529 Direkte besparelsesplan | Ja | $10 |
| Iowa | College besparelser Iowa 529 plan | Ja | $25 |
| Kansas | Learning Quest 529 Education Savings Program | Enhver stats plan | $25 |
| Kentucky | Kentucky Education Savings Plan Trust | Ingen | $25 |
| Louisiana | START Besparelsesprogram | Ja | $10 |
| Maine | NextGen College Investeringsplan | Ingen | $25 |
| Maryland | Maryland529 | Ja | $250 |
| Massachusetts | Massachusetts U.Fund College Investeringsplan | Ja | $50 |
| Michigan | Michigan Education Savings Program | Ja | $25 |
| Minnesota | Minnesota College Savings Plan | Ja | $25 |
| Mississippi | Mississippi Affordable College Savings Program | Ja | $25 |
| Missouri | MOST 529 College Savings Plan | Enhver stats plan | $0 |
| Montana | Montana Family Education Savings Program | Enhver stats plan | $25 |
| Nebraska | Nebraska Education Savings Trust - Direkte College Savings plan | Ja | $0 |
| Nevada | Nevada College Savings Planer | Ingen | $15 |
| New Hampshire | UNIQUE College Investeringsplan | Ingen | $50 |
| New Jersey | NJ BEST College Savings Plan | Ingen | $25 |
| Ny mexico | Uddannelsesplanen | Ja | $25 |
| New York | New Yorks 529 College Savings Program | Ja | $0 |
| North Carolina | College Foundation of North Carolina | Ingen | $25 |
| North Dakota | College SAVE | Ja | $25 |
| Ohio | Ohio CollegeAdvantage 529 Besparelsesplan | Ja | $25 |
| Oklahoma | Oklahoma College Savings plan | Ja | $100 |
| Oregon | Oregon College Savings plan | Ja | $25 |
| Pennsylvania | PA 529 | Enhver stats plan | $25 |
| Rhode Island | CollegeBound Fund | Ja | $0 |
| South Carolina | Fremtidige Scholar 529 College Savings plan | Ja | $0 |
| South Dakota | College adgang 529 | Ingen | $250 |
| Tennessee | TN Stars College Besparelser 529 Program | Ingen | $25 |
| Texas | Texas College Savings Plan | Ingen | $25 |
| Utah | Utah Educational Savings Plan (UESP) | Ja | $0 |
| Vermont | Vermont Higher Education Investment plan | Ja | $25 |
| Virginia | Virginia529 inVEST | Ja | $25 |
| Washington | DreamAhead College Investeringsplan | Ingen | $25 |
| West Virginia | SMART529 WV Direct College Savings plan | Ja | $0 |
| Wisconsin | Edvest College Savings plan | Ja | $25 |
| Wyoming | Ingen statsplan | N / A | N / A |
Forudbetalte planer pr. Stat
Det minimale bidrag til en forudbetalt ordning afhænger af prisen på en kredit eller den månedlige betalingsplan. Kontroller den specifikke plan for det korrekte minimum.
| Stat | Plan navn | Statlig skattefordel? |
|---|---|---|
| Alabama | Forudbetalte Affordable College Undervisningsprogram | Ja |
| Florida | Florida Prepaid College plan | Ingen |
| Illinois | College Illinois! 529 Prepaid Undervisningsprogram | Ja |
| Maryland | College Savings Planer af Maryland - Prepaid College Trust | Ja |
| Massachusetts | Massachusetts U.plan | Ja |
| Michigan | Michigan Education Trust | Ja |
| Mississippi | Mississippi Prepaid Affordable College Undervisning (MPACT) Program | Ja |
| Nevada | Nevada Prepaid Undervisningsprogram | Ingen |
| Texas | Texas Tuition Promise Fund | Ingen |
| Virginia | Virginia529 prePAID | Ja |
| Washington | Washington Garanteret Uddannelse Undervisning (GET) | Ingen |
