关于在加州投资529

s
stone1002
楼主 (北美华人网)
正在研究该买哪种529,本来想着上大学还早就一直没弄,2018年开始可以每年有1万用于K-12的私立学费了,感觉可以搞一下。但是研究该买哪一种的时候发现一段话,请大家帮忙一起看一下: If you are not a California taxpayer, these withdrawals may include recapture of tax deduction, state income tax as well as penalties. K-12 withdrawals are limited to $10,000 per year for K-12 tuition. Withdrawals for tuition expenses at a public, private or religious elementary, middle, or high school can be withdrawn free from federal tax. For California taxpayers these withdrawals are subject to state income tax and an additional 2.5% California tax. You should talk to a qualified professional about how tax provisions affect your circumstances. 这段说的是非加州的taxpayer每年可以取1万给K-12的孩子付私立学费for free,但是加州的taxpayer的话,这笔钱要交州税?所以本金已经是税后收入放进去的了,如果取1万交私立学校的学费要还再交一次州税?
Q
QuantumWorld
如果用于支付K12学费,529里的投资收益要交加州州税,还有2.5%的加州罚金。原因是加州不承认K12学费属于529的qualified education expenses。
用529付K12学费是2017年川普税改新加的,加州作为民主党大本营当然不能承认。
529全网最全指南: https://www.youtube.com/watch?v=0CX5JCkEd2A
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https://www.youtube.com/embed/0CX5JCkEd2A
t
tailor101
上面这个529的分析很全面,有些我以前不知道的