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金融・保険 / 知って得する

【529学資保険について知っておくべき10項目】

多くの両親・祖父母が大切な子供たちに選ぶ529学資保険の10つの理由

1.授業料以外の支払い可能
引き出したお金はもし、受取人が少なくともパートタイムの学生以上なら、該当する高等教育の授業料、必須料金、学用品、教科書、コンピューターなどの必須備品、寮、下宿などにかかる費用に使える。

2.信託受益者の変更可能
大学資金の受取人(信託受益者)は直属もしくはその他の兄弟姉妹、孫、姪や甥、いとこなどの家族に変更が可能である。

3.資産の管理
信託受益者ではなく、口座の持ち主がいつどのように資産を使うかなどの管理をすることができる。

4.フレキシブルな拠出金額
多くの529学資保険では最低$50から始められ、信託受益者一人につき$300,000以上の拠出が拠出可能である。

5.広範囲の学校選択
    米国教育省管轄の学費援助を行う認定職業訓練校などを含む大学など幅広い学校選び
    が可能で、今現在米国内外で9,900校あるとされている。

6.所得による制限なし
所得に関係なくどんな人でも口座開設は可能である

7.多様な投資選択
ほとんどの529学資保険は、広範囲にわたる投資選択があり、ポートフォリオの資産を大学費用の投資目的に似合った運用をすることができる。

8.利便性
多くの529学資保険は大学費用の積み立てをするのに、月々の自動投資プランとポートフォリオを受益者が大学へ通う時期が近くなるにつれ、自動リバランスする(リスクマネジメント)などの利便性のある機能を兼ね備えている。

9.得た利益は非課税

学資保険で得た利益分の連邦所得税は、対象となる学資費用への引き落としの際、非課税となり、また多くの州では口座の所有者に対し学資保険で得た利益分に対する州税免除や、積立金に対する州所得税控除を含む529学資保険の州税免除がある。

10.資産相続計画
5年間に値する贈与(総額 $70,000/個人、$140,000/結婚している夫婦)を5年に渡り他の贈与として同一受益者に行われなければ、529学資保険では連邦贈与税なしに一度に行うことができる。

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A few words about risk. 529 plan underlying funds have risks thatwill cause your investment return and principal value to fluctuate.
Stocks tend to fluctuate dramatically over the short term. Bond prices generally move opposite to interest rates; as bond prices adjust to a rise in interest rates, a fund’s share price may decline.
High-yield, lower-rated bonds generally have greater price swings and higher default risks. Foreign investing, especially in developingmarkets, has additional risks such as currency and market volatility and political or social instability.
These and other risks are discussed in each fund’s prospectus.
Tax benefits are conditioned on meeting certain requirements.Federal income tax, a 10% federal tax penalty, and state income tax and penalties may apply to nonqualified withdrawals of earnings.
Generation-skipping tax may apply to substantial transfers to a beneficiary at least two generations below the contributor. Gift examples are general; individual financial circumstances and state laws vary—consult a tax advisor before investing.
If the contributor dies within the five-year period, a prorated portion of contributions may be included in his/her taxable estate. See the Investor Handbook for more complete information.

【A Smarter Way to Invest for College®】
When you open a Franklin Templeton 529 College Savings Plan, offered nationwide by the
New Jersey Higher Education Student Assistance Authority,3 you get more than a powerful
investment tool. Here are some plan features that set it apart:

Professional investment management. Franklin Templeton’s distinct multi-manager structure combines the
specialized expertise of three world-class investment management groups—Franklin, Templeton and Mutual Series.4

Three allocation strategies to choose from:5

• Age-based asset allocations: Choose an age-based asset allocation track suitable for you—conservative, moderate
or growth. Investments will be placed in a portfolio within the asset allocation track chosen based on the
beneficiary’s age. As your beneficiary ages, investments periodically move to a different portfolio that invest less
in equity based funds and more in income seeking funds.

• Objective-based asset allocations: Invest your assets based on your risk tolerance level.

• Individual portfolios: Work with your financial advisor to assemble your own allocation.

Low contribution requirement. You can open a plan with just $250.

High contribution limit. The maximum aggregate plan balance per beneficiary is $305,000.

Learn more. Talk to your financial advisor or call Franklin Templeton Investments
at (800) 818-4030 to learn why Franklin Templeton 529 College Savings Plan can be a smart solution to help you pursue your college savings goals.

Investors should carefully consider plan investment goals, risks, charges and expenses before investing. To obtain an
Investor Handbook, which contains this and other information, talk to your financial advisor or call Franklin Templeton
Distributors, Inc., the manager and underwriter for the plan, at (800) 818-4030. You should read the Investor Handbook
carefully before investing and consider whether your or the account beneficiary’s home state offers any state tax or other
benefits that are only available for investments in its qualified tuition program.
Each plan account is subject to an annual program management fee of 0.40% of assets and underlying fund expenses,
currently up to 0.88% of assets, which may vary and sales charges, which vary by class of share. See the Investor
Handbook for more complete information.

1. Source: www.savingforcollege.com, October 2012.
2. Source: www.ed.gov, U.S. Department of Education, September 2012.
3. Offered and administered by the New Jersey Higher Education Student Assistance Authority (HESAA); managed and distributed by Franklin Templeton Distributors, Inc., an affiliate
of Franklin Resources, Inc., which operates as Franklin Templeton Investments. No federal or state guarantee. Principal value may be lost, and investing in the plan does not guarantee
admission to college or sufficient funds for college. Please refer to the Investor Handbook for more complete information.
4. The plan is managed by Franklin Advisers, Inc., an affiliate of Franklin Templeton Distributors, Inc. Plan portfolios generally invest in mutual funds managed by affiliates of
Franklin Advisers, Inc.
5. An investment in Franklin Templeton 529 College Savings Plan is an investment in a municipal security that may invest in one or more underlying mutual funds. It is not an investment
in shares of the underlying mutual fund(s).

Logos are trademarks of their respective owners. Logos are used to identify their respective companies and should not be construed as an endorsement of, or affiliation with,
Franklin Templeton Investments.

Franklin Templeton Distributors, Inc.
One Franklin Parkway
San Mateo, CA 94403-1906
(800) 818-4030
franklintempleton.com

© 2013 Franklin Templeton Investments. All rights reserved.

生命保険、年金、資産運用、学資保険など、お金と賢く付き合う方法をアドバイスいたします

  • 登録日 : 2018/02/08
  • 掲載日 : 2018/02/11
  • 変更日 : 2018/02/08
  • 総閲覧数 : 51人