f****d
发帖数: 3217 | 1 家里领导今年要full time读书，我能现在开一个529账户把钱存进去然后付秋季学费吗？ | r****m
发帖数: 1204 | 2 Yes, actually if your state has tax benefits for 529, this is a great and
little known strategy to get a little tax benefits from your state.
You can open one 529 account this month, and take the money out next month,
still get the tax deduction for the year.
If tax deduction is account based, you can even open multiple accounts and
reap more benefits. | f****d
发帖数: 3217 | 3 好的，谢谢！tax deduction is account based 是啥意思，不是根据你放多少钱到529
里面来算deduction的吗？
,
【在 r****m 的大作中提到】
: Yes, actually if your state has tax benefits for 529, this is a great and
: little known strategy to get a little tax benefits from your state.
: You can open one 529 account this month, and take the money out next month,
: still get the tax deduction for the year.
: If tax deduction is account based, you can even open multiple accounts and
: reap more benefits.
| r****m
发帖数: 1204 | 4 tax deduction is account based 是啥意思 -
It means it's not based on your total 529 contributions, it's based on each
529 account's contribution. You could open multiple accounts (if your state
529 has two or more plan options), for example, contribute $2000 per account
to N accounts, and each account gets $2000*state income tax deductions.
Total N accounts means total tax benefits is N*2000*t (t is state tax rate).
Read your state's 529 plan guide for details. |
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