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小小鸟
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发表于：2008-06-02 12:30|只看楼主
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[讨论]529 plan

 


我够懒惰的了， 到现在没做529 plan， 正在研究中。。。。


 


抄一些过来，大家一起讨论好了


 


Tax-free withdrawals from 529s are now permanent, they don't hurt chances for financial aid and the offerings are better than ever. In other words, you'd be a fool to save for college any other way but in a 529 plan.


 


The real question is which plan to pick. There are some 85 plans available nationwide ?the 70 largest are listed below - with almost every state offering at least one program and some, like West Virginia, offering as many as five.


 


All 529 savings plans provide the same federal tax benefits: Your investment earnings grow free of income tax. Your withdrawals, as long as you use them to pay higher education bills, are untaxed as well. What you don't get is an up-front federal tax deduction.


But 32 states and the District of Columbia have stepped in where the feds have not, offering residents a write-off on state income taxes for at least a portion of their 529 contributions.


 


And three states - Kansas, Maine and Pennsylvania - even allow residents to deduct their contributions to out-of-state plans as well.


If you live in a high-tax state that offers a big deduction for 529 contributions, your best 529 plan is one in your own backyard - that is, as long as the plan also has reasonable expenses and offers solid investment choices. We selected 22 plans as top choices on this basis, in addition to another 5 whose strong management and low fees make them top choices not only for their own state's citizens, but for anyone whose in-state plan doesn't merit a star.

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小小鸟
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best plans


 


 


 


 


Arkansas

GIFT College Investing PlanUpromise and Vanguard / Vanguard mutual fundswww.thegiftplan.com
ColoradoDirect Portfolio College Savings PlanUpromise and Vanguard / Vanguard mutual fundswww.collegeinvest.org
ConnecticutConnecticut Higher Education Trust (CHET)TIAA-CREF / TIAA-CREF mutual fundswww.aboutchet.com
GeorgiaGeorgia Higher Education Savings Plan TIAA-CREF / TIAA-CREF mutual fundswww.gacollegesavings.com
KansasLearning Quest 529 Education Savings Program American Century / Multiple fund familieswww.learningquest.com
LouisianaSTART Saving ProgramLouisiana State Treasurer / Multiple fund familieswww.startsaving.la.gov
MarylandCollege Savings Plans of Maryland - College Investment PlanT. Rowe Price / T. Rowe Price mutual fundswww.collegesavingsmd.org
MississippiMississippi Affordable College Savings (MACS) Program TIAA-CREF / TIAA-CREF mutual fundswww.collegesavingsms.com
MissouriMOST - Missouri's 529 College Savings Plan Upromise Investments / Multiple fund familieswww.missourimost.org

[此贴子已经被作者于2008-6-2 12:32:21编辑过]

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SSLOTUS
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发表于：2008-06-02 12:31|只看TA
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我是看着华人宝宝秀的标题冲进来的[em53]
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NebraskaCollege Savings Plan of Nebraska Union Bank and Trust Company / Multiple fund multiple fund familieswww.planforcollegenow.com
New YorkNew York's 529 College Savings Program - Direct PlanUpromise and Vanguard / Vanguard mutual fundswww.nysaves.org/
North CarolinaNational College Savings Program College Foundation, Inc. / Multiple fund familieswww.nc529.org/
North DakotaCollege SAVEUpromise Investments / Vanguard mutual fundswww.collegesave4u.com/
OhioCollegeAdvantage 529 Savings Plan Ohio Tuition Trust Authority / Multiple fund familieswww.collegeadvantage.com
OklahomaOklahoma 529 College Savings PlanTIAA-CREF / TIAA-CREF mutual fundswww.ok4saving.org
OregonOregon College Savings PlanOppenheimerFunds / OppenheimerFunds and Vanguard mutual fundswww.oregoncollegesavings.com
PennsylvaniaPennsylvania 529 Direct Investment Plan Upromise Investments and Vanguard / Vanguard mutual fundswww.pa529direct.com
South CarolinaFuture Scholar Direct ProgramColumbia Management / Columbia mutual funds, Transamerica Lifewww.futurescholar.com
VermontVermont Higher Education Investment PlanTIAA-CREF / TIAA-CREF mutual funds and Vermont Student Assistance Corporation interest-bearing notesservices.vsac.org/ilwwcm/connect/VSAC
VirginiaVirginia Education Savings Trust (VEST)Virginia College Savings Plan Board / Multiple fundswww.virginia529.com
West VirginiaSMART529 Select Hartford Life / Hartford and INVESCO mutual fundswww.smart529select.com
WisconsinEdVest Wells Fargo / Multiple funds including Wells Fargo Fundswww.edvest.com
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小小鸟
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The five plans below are good for their own state's citizens, but also for anyone whose in-state plan doesn't merit a star.
CaliforniaThe ScholarShare College Savings PlanFidelity Investments / Fidelity Investments mutual fundswww.scholarshare.com
IowaCollege Savings IowaUpromise Investments and Vanguard / Vanguard mutual fundswww.collegesavingsiowa.com
MichiganMichigan Education Savings ProgramTIAA-CREF / TIAA-CREF mutual fundswww.misaves.com
NevadaThe Vanguard 529 Savings PlanUpromise Investments and Vanguard / Vanguard mutual fundswww.vanguard.com
UtahUtah Educational Savings Plan (UESP) Trust Utah Higher Education Assistance Authority / Public Treasurer's Investment Fund and Vanguard mutual funds

[此贴子已经被作者于2008-6-2 12:36:48编辑过]

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enen^_^
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发表于：2008-06-02 12:33|只看TA
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以下是引用SSLOTUS在2008-6-2 12:31:00的发言：
我是看着华人宝宝秀的标题冲进来的

图片点击可在新窗口打开查看


我也是,尤其是小小鸟发的.[em53]

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小小鸟
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http://www.savingforcollege.com/
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小小鸟
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以下是引用SSLOTUS在2008-6-2 12:31:00的发言：
我是看着华人宝宝秀的标题冲进来的

图片点击可在新窗口打开查看


 


uh oh， 不小心点的。呵呵。。

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prada
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以下是引用小小鸟在2008-6-2 12:33:00的发言：

 


uh oh， 不小心点的。呵呵。。


不干不干。

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小小鸟
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9月的精华帖


 


http://www.huaren.us/dispbbs.asp?BoardID=333&ID=258480&replyID=&skin=1


[此贴子已经被作者于2008-6-2 13:21:31编辑过]

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