这个是我刚查到的，我也还在研究，看起来是可以免一些州税的 529 Plan Tax Benefits A 529 savings plan works much like a Roth 401(k) or Roth IRA by investing your after-tax contributions in mutual funds, ETFs and other similar investments. Your investment grows on a tax-deferred basis and can be withdrawn tax-free if the money is used to pay for qualified higher education expenses. Contributions are not deductible from federal income taxes. You may also qualify for a state tax benefit, depending on where you live. More than 30 states offer state income tax deductions and state tax credits for 529 plan contributions. Some families use 529 plans as an estate planning vehicle, since contributions are considered completed gifts to the beneficiary. Up to $15,000 per donor, per beneficiary qualifies for the annual gift tax exclusion.
这个是我刚查到的，我也还在研究，看起来是可以免一些州税的 529 Plan Tax Benefits A 529 savings plan works much like a Roth 401(k) or Roth IRA by investing your after-tax contributions in mutual funds, ETFs and other similar investments. Your investment grows on a tax-deferred basis and can be withdrawn tax-free if the money is used to pay for qualified higher education expenses. Contributions are not deductible from federal income taxes. You may also qualify for a state tax benefit, depending on where you live. More than 30 states offer state income tax deductions and state tax credits for 529 plan contributions. Some families use 529 plans as an estate planning vehicle, since contributions are considered completed gifts to the beneficiary. Up to $15,000 per donor, per beneficiary qualifies for the annual gift tax exclusion. yunhao 发表于 2021-12-17 12:52
谢谢好几个mm提供的信息，研究了一下发现 州里有免税的话，是要和州里指定的机构买。我们州是和Fidelity合作的。又查了一下费用，发现Fidelity 除了Fidelity Index Funds 的费用是0.14%， 其他的偏贵，那个bank deposit protfolio看起来略便宜，不过小字很多还没全弄懂。相对vanguard的 individual的选项费用便宜些，不知道是不是fidelity 的fund管理得好，还是因为垄断。不过anyway，我们州只能买fidlity的，我就去买它的了。
0.50%–0.99% (Fidelity Funds) 0.11%–0.15% (Fidelity Index Funds) 0.40%–0.60% (Fidelity Blend) 0.05%–0.50% (Bank Deposit Portfolio)
Vanguard: Target Enrollment portfolios: 0.14%. Individual portfolios: 0.12%–0.42%.
请先去网上做些作业。比如 www.savingforcollege.com/intro-to-529s/what-is-a-529-plan
看看你所在的州有没有tax incentive，有的话就选州里的，没有再在全国找。
谢谢mm，我们州是可以免税的，上网看了fidelty and vangard, 好像基金管理费不一样，还在研究中，但是其他银行会不会也都不一样，所以想问问大家的经验。
我本来以为529不管在哪里开都可以抵州税和联邦税，看来不一定啊。我去研究一下mm贴的link
用州里的529，这样可以免一定的州税
谢谢mm，是不是州网上会列出指定的银行？我自己也去查查，头一次弄，眼看到年底了，所以慌慌张张的
我记得所有529都没有联邦税减免, 只有可能的州税减免.
我们州可以允许买外州的529同样给减免. 你得看看你们州.
谢谢mm，原来是这样，我看了几个关于529的网页，有的把不同529分到各个类别里，像州里的，评价高的，利率低的什么的，看来我还是选州里的比较稳妥
Fidelity 貌似和我们州有合作，我去再研究下，谢谢mm
这个是我刚查到的，我也还在研究，看起来是可以免一些州税的
529 Plan Tax Benefits A 529 savings plan works much like a Roth 401(k) or Roth IRA by investing your after-tax contributions in mutual funds, ETFs and other similar investments. Your investment grows on a tax-deferred basis and can be withdrawn tax-free if the money is used to pay for qualified higher education expenses. Contributions are not deductible from federal income taxes. You may also qualify for a state tax benefit, depending on where you live. More than 30 states offer state income tax deductions and state tax credits for 529 plan contributions. Some families use 529 plans as an estate planning vehicle, since contributions are considered completed gifts to the beneficiary. Up to $15,000 per donor, per beneficiary qualifies for the annual gift tax exclusion.
我不是mm....
529确实是税后的钱, 但是州里还是会给减免, 也就是相当于投进去的一部分是免税的.
我觉得华人投529最关键的一点是到时候孩子上学要申请资助, 这部分529的钱也是要算资产的, 所以大部分人其实都得不到什么优惠. 也就是说你费尽存半天, 别人一看你有钱了, 那算了不给资助了.
但是 - 有一点要感谢trump, 他的法案允许529用在k-12这部分的教育费用, 那么如果孩子上私立, 就能用一下了,