The bad news about college costs is that they continue to rise faster than inflation. The good news is there is a tax-advantaged savings plan called a 529年计划 that is designed to help pay for future education costs. Our 529 savings calculator can help you plan for your children’s educational future.
The results are hypothetical based on your input. 你的结果会有所不同. Any rates used are for illustrative purposes only and does not represent performance of any actual financial vechicle/strategies.
A 529 can include a wide range of investment options, 包括索引, equity and fixed income options and even target-date portfolios. Keep in mind how soon you need to pay for your loved one’s education—if your child is still young you may decide to invest in riskier investment products. If you plan on withdrawing the money soon, you should stick to the safer side. Please note, all investments are subject to risk, including loss of principal.
说到大学储蓄, you should know that there are two types of 529年计划s: prepaid tuition plans and education savings plans. 一些大学提供预付529选项, which allow you to put aside a certain amount of money to have tuition fully paid for, 保证. Education savings plans give you more flexibility in terms of college choice, but do not guarantee that you will have 100% of tuition covered.
529 Education Savings Plans are offered through properly licensed Registered Representatives of NYLIFE证券 LLC (member FINRA/SIPC), a licensed Insurance Agency and a best365亚洲版手机版 Company.
If you start saving when your child is five years old, your investing timeline will only be 13 years. That means you may consider a more cautious, defensive portfolio than your longer-term investment goals, 像退休.
Like an IRA or a 401k, investments grow and compound tax-free. And in most cases, you can deduct from your state income taxes any contributions to a 529.
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*请注意, any unqualified withdrawal are subject to ordinary income taxes and 10% IRS penalty on earnings.