教育基金

教育基金是给宝宝读书缴学费用的。一般银行或者投资机构都有。

529 College savings plans 等等，他的优点是类似401k可以免税，每月的存储金额不
限，缺点是投资风险，管理费用高，只能用于高等教育（上大学用）

还有 529 Prepaid tuition plans，优点是可免税，存的金额不限，无投资风险，缺点
是管理费用高，只能用于本舟的公立高等教育，而且有年龄限制。（感觉就是现在把孩子的大学学
费缴掉）

do NOT buy prepaid 529! they only work for your state schools.
if your children for whatever reason don't want to go there,
you lose.

另一种Coverdell education savings accounts (ESA) 优点是可以花在任何学龄（k-
12, college），缺点是家庭收入高的不能存，不免税（用税后的钱存），每年只能存$
2000，只能存到18岁，30岁前必须花完。

ESA: any of your favorite broker that provides ESA.
529: certain providers. 529 plans are co-sponsored by
states, those of your state, may provide further tax benefits.

see savingforcollege.com

ESA is normally better. find a broker who doesn't charge
a fee and have low cost mutual funds available.

you don't have to spend the ESA money during middle/high school.
if you do want to, it's still good deal as the gain is tax-free.

我感觉 529 + ESA 两个一起买比较合算，呵呵

更多信息可以在babycenter看到

http://www.babycenter.com/0_saving-for-college-a-guide-for-parents_348.bc