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加密货币新闻

比特币(BTC)成为一种新的大学储蓄工具,因为父母选择加密货币,而不是传统的529计划

2025/02/03 02:19

随着消费者价格上涨2.6%,越来越多的家庭正在依靠比特币(BTC)作为抵抗通货膨胀的对冲,这在12月变得越来越糟。

比特币(BTC)成为一种新的大学储蓄工具,因为父母选择加密货币,而不是传统的529计划

Bitcoin (BTC) is gaining traction among some parents as an alternative savings vehicle for their children’s college education, despite its extreme volatility.

尽管其极端波动,但比特币(BTC)正在作为孩子们的大学教育的替代储蓄工具中获得关注。

According to Bloomberg, a growing number of families are turning to the flagship cryptocurrency as a hedge against inflation, which worsened in December. Consumer prices rose 2.6% over the past year, compared to a 2.4% annual pace in November.

据彭博社报道,越来越多的家庭正在转向旗舰加密货币,以此作为抵制通货膨胀的对冲,该货币在12月发生了恶化。过去一年中,消费者价格上涨了2.6%,而11月份的年度速度为2.4%。

The bet is that Bitcoin, as an asset, has stronger long-term growth potential than conventional savings accounts such as the traditional 529 plan.

赌注是比特币作为一种资产,比传统的529计划等传统储蓄账户具有更强的长期增长潜力。

Bitcoin, these parents argue, could yield better results over time.

这些父母认为,比特币随着时间的推移可以产生更好的结果。

CryptoCoinToss, a blog that delves into various aspects of cryptocurrency investing, shares a similar sentiment. According to one post, Bitcoin’s deflationary nature is a compelling reason for parents to explore it as an alternative savings vehicle to, say, the state-sponsored 529.

Cryptocointoss是一个研究加密货币投资的各个方面的博客,具有类似的观点。根据一条帖子,比特币的通缩性是父母作为替代储蓄工具探索它的令人信服的理由,例如国家赞助的529。

Why? Even though 529 college savings plans help individuals save for educational expenses with certain tax advantages, they come with drawbacks. Funds must be used strictly for school-related costs (i.e., tuition, books, room and board). If a high school graduate wishes to use the funds to, say, start a business or travel abroad, withdrawals face a 10% penalty plus taxes.

为什么?即使有529个大学储蓄计划可以帮助个人省略具有某些税收优势的教育费用,但它们具有缺陷。资金必须严格用于学校相关费用(即,学费,书籍,房间和董事会)。如果高中毕业生希望使用这些资金来开始企业或出国旅行,则取款将面临10%的罚款加上税款。

Moreover, 529 assets can reduce financial aid eligibility, especially if owned by grandparents. State-specific rules vary, with some plans offering better tax benefits than others, and high fees can be a drawback. Despite these limitations, 529 plans remain a popular choice for college savings.

此外,有529家资产可以减少经济援助资格,尤其是在祖父母拥有的情况下。特定于国家的规则有所不同,一些计划提供的税收优势比其他计划更好,而高费用可能是一个弊端。尽管有这些限制,但529个计划仍然是大学储蓄的流行选择。

An Upromise blog entry outlines the financial aid and tax implications of using cryptocurrency for college savings. Bitcoin and other virtual currencies are considered assets on FAFSA forms, meaning they must be reported and can impact financial aid eligibility.

上升博客条目概述了将加密货币用于大学储蓄的经济援助和税收影响。比特币和其他虚拟货币被视为FAFSA表格上的资产,这意味着必须进行报告,并可能影响经济援助资格。

If sold for a gain, the profit is included in the adjusted gross income, potentially reducing aid.

如果出售以获取收益,则将利润包括在调整后的总收​​入中,可能会减少援助。

Only a few U.S. schools—King’s College (NY) and Wharton (UPenn)—accept Bitcoin for tuition; however, several international institutions do. Nevertheless, student loan payments cannot be made directly with Bitcoin, requiring holders to sell their crypto first, which comes with tax consequences.

只有少数几所美国学校(纽约大学(纽约)和沃顿大学(Upenn))接受学费的比特币;但是,几个国际机构都这样做。但是,学生贷款付款不能直接用比特币进行,要求持有人首先出售其加密货币,这会带来税收后果。

And, currently, there is no way to put crypto in a 529 plan. However, it’s worth noting that President Donald Trump has changed the 529 rules before.

而且,目前,无法将加密货币放入529计划。但是,值得注意的是,唐纳德·特朗普总统以前改变了529条规则。

Under the Tax Cuts and Jobs Act of 2017, 529 college savings plans were expanded for K-12 private school tuition.

根据2017年的《减税和就业法》,K-12私立学校学费扩大了529个大学储蓄计划。

That means the law allows up to $10,000 per year from a 529 plan to be used for tuition at private, religious, or other qualifying K-12 schools. It does not extend this benefit to cover public school-related expenses, such as fees for books, supplies, or activities.

这意味着该法律每年最多可从529个计划中使用10,000美元,用于在私立,宗教或其他合格的K-12学校进行学费。它不会扩大此优势,以支付与公立学校相关的费用,例如书籍,用品或活动的费用。

Whether Trump, who fancies himself the first pro-crypto president, will somehow mesh Bitcoin into 529 plans remains to be seen.

特朗普(Trump)幻想自己是第一位亲克赖普托(Crypto)总统的特朗普,以某种方式将比特币纳入529个计划还有待观察。

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