Plan for financial aid. Most parents don’t save nearly enough for children’s education. They assume that investing in a 529 plan is the best place for your savings. While a 529 plan offers tax-free growth and withdrawals for college costs, colleges look at these savings when evaluating their qualification and how much they will hand over. Do save aggressively for college in a taxable account in your name if your household income is below $ 100,000. In this case, your child will likely qualify for some financial aid. Do invest in a 529 plan if your income is higher than $100,000 and will likely remain at or above that level when your child enters college. In this case, the 529 plan is great because you probably won’t qualify for financial aid anyway.
Expect ups and downs. Annoyed by three straight years of stock market declines, many people have been shifting to lower-risk investments. But just as taking too much risk can hurt your portfolio’s(投资组合)growth rate, so can hiding out in excessive safe investments. Do consider investing in funds that you’ll hold on to for more than a year. Under the new tax law, long-term capital gains are taxed at a maximum of 15%, down from 20%. Do look at stock funds that pay dividends (红利). Dividends on stocks used to be taxed at your personal income tax rate. Under the new law, they are now taxed at no more than 15%. Investing in these funds will not only hold down taxes but also sustain your portfolio’s value in tough times.
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