i******r
发帖数: 323 | 1 想给宝宝开一个529帐号，定期放点钱进去，未雨绸缪
但是看到浩如烟海的529选择，非常没有头绪
另外我和LD都是投资新手，没有什么概念，想问几个问题：
- direct savings plan和broker sold savings plan有什么区别？看介绍说direct
savings plan要自己选择投资选项，难道就没有默认选项了？
- 每个plan的fee好像不一样，而且同一个plan的fee也不是固定的，这个不同plan到底
差多少？
- 不同plan的performance到底能差多少？好像亏钱是不管的？
- 如果以后回国了，这个钱不能用来交国内学费吧？
- 如果是non-qualified withdrawal, 是earning部分罚tax+10% penalty，本金不用罚
的吧？
我们就想要一个风险不大，fee比较低的选择。但是看到那么多的plan，不知道挑什么
好。
想问问大家挑plan主要都看中什么feature？另外有没有比较稳妥的主流选择可以推荐
给我们这样的新手的？
多谢～ |
N******p
发帖数: 2777 | 2 A good first step is check to see if your state offer a plan that has tax be
nefits.
【在 i******r 的大作中提到】
: 想给宝宝开一个529帐号，定期放点钱进去，未雨绸缪
: 但是看到浩如烟海的529选择，非常没有头绪
: 另外我和LD都是投资新手，没有什么概念，想问几个问题：
: - direct savings plan和broker sold savings plan有什么区别？看介绍说direct
: savings plan要自己选择投资选项，难道就没有默认选项了？
: - 每个plan的fee好像不一样，而且同一个plan的fee也不是固定的，这个不同plan到底
: 差多少？
: - 不同plan的performance到底能差多少？好像亏钱是不管的？
: - 如果以后回国了，这个钱不能用来交国内学费吧？
: - 如果是non-qualified withdrawal, 是earning部分罚tax+10% penalty，本金不用罚
|
p********r
发帖数: 30 | 3 First, I don't think 529 is a good idea. It will affect your qualifications
for scholarships later on. Well, if you are super rich and there is
absolutely 0% possibility that you are qualified for scholarships, then it
is a different story. It does have advantages as it is tax deductable and
tax-deferred.
Second, it will be the same price no matter whether you buy directly from
teh company or through broker. Broker get commission from the differene
between wholesale price ( price broker got) an
【在 i******r 的大作中提到】
: 想给宝宝开一个529帐号，定期放点钱进去，未雨绸缪
: 但是看到浩如烟海的529选择，非常没有头绪
: 另外我和LD都是投资新手，没有什么概念，想问几个问题：
: - direct savings plan和broker sold savings plan有什么区别？看介绍说direct
: savings plan要自己选择投资选项，难道就没有默认选项了？
: - 每个plan的fee好像不一样，而且同一个plan的fee也不是固定的，这个不同plan到底
: 差多少？
: - 不同plan的performance到底能差多少？好像亏钱是不管的？
: - 如果以后回国了，这个钱不能用来交国内学费吧？
: - 如果是non-qualified withdrawal, 是earning部分罚tax+10% penalty，本金不用罚
|
g********t
发帖数: 168 | 4 cash value life insurance? is it same as VUL?
qualifications
it
and
from
【在 p********r 的大作中提到】
: First, I don't think 529 is a good idea. It will affect your qualifications
: for scholarships later on. Well, if you are super rich and there is
: absolutely 0% possibility that you are qualified for scholarships, then it
: is a different story. It does have advantages as it is tax deductable and
: tax-deferred.
: Second, it will be the same price no matter whether you buy directly from
: teh company or through broker. Broker get commission from the differene
: between wholesale price ( price broker got) an
|
b*****e
发帖数: 1125 | 5 How does it affect scholarship application?
How could the school know your account info?
qualifications
【在 p********r 的大作中提到】
: First, I don't think 529 is a good idea. It will affect your qualifications
: for scholarships later on. Well, if you are super rich and there is
: absolutely 0% possibility that you are qualified for scholarships, then it
: is a different story. It does have advantages as it is tax deductable and
: tax-deferred.
: Second, it will be the same price no matter whether you buy directly from
: teh company or through broker. Broker get commission from the differene
: between wholesale price ( price broker got) an
|
p********r
发帖数: 30 | 6 when you apply for school, you are requierd to disclose your asset and
income , 529 is included, but life insurance is not. So life insurance will
not affect your qualification for scholarship but 529 will.
cash value life insurance include VUL ( varaible universal life) and IUL (
Index universal life)
【在 b*****e 的大作中提到】
: How does it affect scholarship application?
: How could the school know your account info?
:
: qualifications
|
S**C
发帖数: 2964 | 7 For typical Chinese family with double income, you can forget any financial
aids. Besides 529 asset are treated as parents asset, rather than kid's
asset. |
h****h
发帖数: 1168 | 8 financial aids also are decided by parents' asset, not kids.
financial
【在 S**C 的大作中提到】
: For typical Chinese family with double income, you can forget any financial
: aids. Besides 529 asset are treated as parents asset, rather than kid's
: asset.
|
p********r
发帖数: 30 | 9 first, financial aids will consider both parents' and children's assets.
Second, even with double income, there is still a possibility that you get
financial aid, depending on how you allocate your assets. I have seen
several successful cases around me.
Third, for IUL or VUL, they do have risks. As they are really long-term plan
, if you cancel it earlier, you are going to be subjected with huge
surrender charge ( like early termination fee). So if you are short-term
oriented, forget about it.
【在 h****h 的大作中提到】
: financial aids also are decided by parents' asset, not kids.
:
: financial
|
i******r
发帖数: 323 | 10 Thanks for the detailed information!
qualifications
【在 p********r 的大作中提到】
: First, I don't think 529 is a good idea. It will affect your qualifications
: for scholarships later on. Well, if you are super rich and there is
: absolutely 0% possibility that you are qualified for scholarships, then it
: is a different story. It does have advantages as it is tax deductable and
: tax-deferred.
: Second, it will be the same price no matter whether you buy directly from
: teh company or through broker. Broker get commission from the differene
: between wholesale price ( price broker got) an
|
