新冠肺炎如何改变人们的大学储蓄方式

2020-10-18 08:06

How Covid-19 Has Changed the Way People Should Save for College WrN世界播

新冠肺炎如何改变人们的大学储蓄方式WrN世界播


暂无WrN世界播

Reducing equity exposure and increasing cash in a college-savings plan at this point may be both timely and comforting, says financial adviser Jeffrey Swett. WrN世界播

财务顾问杰弗里·斯威特(Jeffrey Swett)说,在这一点上,减少股票敞口并在大学储蓄计划中增加现金可能既及时又令人欣慰WrN世界播


The pandemic has drastically affected the finances of many families, making saving for college more challenging. WrN世界播

这场流行病极大地影响了许多家庭的财务状况,使得存钱上大学更具挑战性。WrN世界播


Uncertainty about job stability, fluctuating markets and how long the pandemic will last are putting added pressure on parents whose children are approaching college age. And some traditional ideas about college savings are being challenged, such as the desirability of saving for a name-brand school when so many are currently online-only or are holding only limited on-campus classes. WrN世界播

关于工作稳定性的不确定性,波动的市场,以及大流行将持续多久,都给孩子即将进入大学年龄的父母带来了额外的压力。一些关于大学储蓄的传统观念正受到挑战,比如,当这么多人目前只在网上或只在校园内开设有限的课程时,存钱去名牌学校是可取的。WrN世界播


With these issues top of mind for many families, The Wall Street Journal invited three experts to discuss college financial planning: Dan Hill, president and chief executive of Hill Wealth Strategies in Richmond, Va.; Nicole Strbich, director of financial planning at Buckingham Advisors in Columbus, Ohio; and Jeffrey Swett, financial adviser and senior portfolio manager at UBS and leader of the Swett Wealth Management Group in Boston. WrN世界播

鉴于这些问题是许多家庭最关心的问题,《华尔街日报》邀请了三位专家来讨论大学财务规划:弗吉尼亚州里士满Hill Wealth Strategy总裁兼首席执行官丹·希尔(Dan Hill);俄亥俄州哥伦布市白金汉顾问公司(Buckingham Advisors)财务规划总监妮可·斯特比奇(Nicole Strbich);以及瑞银(UBS)财务顾问兼高级投资组合经理、波士顿斯威特财富管理集团(Swett Wealth Management Group)负责人杰弗里·斯威特(Jeffrey Swett)。WrN世界播


Here are edited excerpts of the discussion. WrN世界播

以下是经过编辑的讨论节选。WrN世界播


WSJ:What specifically are you telling parents to do differently now in terms of saving for college because of the pandemic? WrN世界播

“华尔街日报”:由于这场流行病,你现在具体告诉家长们在存钱上大学方面要有什么不同的做法?WrN世界播


MS. STRBICH: We are advising parents to keep more of their savings liquid. This could mean not committing to a 529 plan or investing in potentially volatile equities in the event that the money may be needed due to a job loss or income reduction instead. They can look to borrow funds for tuition when the time comes or use the cash that they have been saving. Though there is the potential to miss out on investment growth in this circumstance, you are avoiding volatility and potential loss on funds that you may need in the short term. WrN世界播

斯特里奇:我们建议家长们保持更多的储蓄流动。这可能意味着,在失业或收入减少可能需要资金的情况下,不承诺529计划或投资于潜在波动的股票。他们可以在时机成熟时寻求借钱支付学费,或者使用他们一直在储蓄的现金。虽然在这种情况下有可能错过投资增长,但你正在避免短期内可能需要的资金的波动和潜在损失。WrN世界播


MR. SWETT: Due to the uncertainty caused by the pandemic, parents may find it helpful both financially and emotionally to carry a higher cash balance than usual. Keeping some equity exposure in a college-savings plan until withdrawal is typical, but reducing that equity exposure and increasing cash at this point may be both timely and comforting. This can be particularly helpful for parents with high-school kids who will be writing tuition checks within the next couple of years. WrN世界播

斯威特:由于疫情造成的不确定性,父母们可能会发现,比往常持有更高的现金余额在经济和情感上都有帮助。在大学储蓄计划中保留一些股票敞口,直到退出是典型的做法,但在这一点上减少股票敞口并增加现金可能既及时又令人欣慰。这对有高中生的父母特别有帮助,他们将在未来几年内开具学费支票。WrN世界播


MR. HILL: I’ve been speaking more to my clients about other options that may make more sense right now, such as volunteering in a gap year or studying at home and taking classes online while attending a local community or university program. I also continue to reaffirm to my clients to continue to save. If those savings aren’t formally applied to tuition, then they can be applied for new supplies including a tablet or transportation, should their child choose to work or volunteer outside of the home. WrN世界播

希尔:我一直在和我的客户更多地谈论现在可能更有意义的其他选择,比如在间隔年做志愿者,或者在家学习,在参加当地社区或大学项目的同时在网上上课。我也继续向我的客户重申要继续储蓄。如果这些储蓄没有正式用于学费,那么他们可以申请新的用品,包括平板电脑或交通工具,如果他们的孩子选择外出工作或做志愿者的话。WrN世界播


WSJ:What are you advising people who have children nearing college about continuing to contribute to a 529 plan, given the uncertainty in the market and possibly their finances? WrN世界播

“华尔街日报”:考虑到市场的不确定性,可能还有他们的财务状况,你对那些孩子即将上大学的人有什么建议,建议他们继续为529计划做贡献?WrN世界播


MS. STRBICH: For students who will be using their 529 accounts in the near term, the growth potential on any new deposits is low since they are invested more conservatively due to the short-term goals, so it may not be worth making a contribution now. In this situation, if you are in a state that provides a tax deduction for contributions, consider delaying the deposit into the 529 account until you know the funds will be available for college expenses. Then deposit the funds into the 529 account and turn around and take a distribution to pay tuition. There is no benefit of tax-free growth, but you retained control and use of your funds during uncertain times and then get a state tax benefit for the 529 contribution. WrN世界播

斯特里奇:对于将在短期内使用529账户的学生来说,任何新存款的增长潜力都很低,因为由于短期目标,他们的投资更加保守,所以现在可能不值得做出贡献。在这种情况下,如果你所在的州为缴费提供税收减免,请考虑推迟向529账户的存款,直到你知道资金将可用于大学开支。然后将资金存入529账户,然后转过身来分配支付学费。免税增长没有好处,但你在不确定的时期保留了对资金的控制和使用,然后从529的贡献中获得了州税收优惠。WrN世界播


MR. HILL: I advise them that it is still a good idea to save in a dedicated 529 savings plan. This is important to do because if the child closest to college age doesn’t use it for college, it can still be used for their other educational goals, including professional development. If they don’t use it at all, then it can be passed on and applied to another person’s education. WrN世界播

希尔先生:我建议他们,把钱存到专门的529储蓄计划中仍然是个好主意。这样做很重要,因为如果接近大学年龄的孩子不把它用在大学里,它仍然可以用于他们的其他教育目标,包括职业发展。如果他们根本不使用它,那么它可以被传递并应用于另一个人的教育。WrN世界播


WSJ:For many parents with children nearing college age, their 529s may be essentially parked in low-risk investments. What should they do now if they see that they are falling short of the money they are going to need? WrN世界播

“华尔街日报”:对于许多孩子快到上大学年龄的父母来说,他们的529可能基本上都是放在低风险投资上。如果他们现在看到他们所需要的钱不够用,他们应该怎么办呢?WrN世界播


MR. HILL: Consider increasing your own contributions, if you are able. If you increase the risk, it can lead to the possibility of losing more of your money. Another great thing about 529s is that family can also contribute to your child’s plan. If you’re falling short, consider asking family members to contribute to the plan for birthdays, holidays and graduation. WrN世界播

希尔:如果可能的话,考虑增加你自己的供款。如果你增加风险,可能会导致你损失更多的钱。529的另一个伟大之处在于,家庭也可以为孩子的计划做出贡献。如果你做得不够,可以考虑让家人为你的生日、假期和毕业计划做贡献。WrN世界播


MS. STRBICH: We’re also advising parents to start preparing a plan for how they will handle these costs by completing a Fafsa estimate, understanding expected tuition cost, and looking for scholarship and award opportunities. WrN世界播

斯特比希:我们还建议家长们开始准备如何处理这些费用的计划,方法是完成Fafsa的估算,了解预期的学费成本,并寻找奖学金和奖励机会。WrN世界播


WSJ:What other college-savings recommendations are you offering parents amid the current environment? WrN世界播

“华尔街日报”:在当前环境下,你们还向家长们提供了哪些大学储蓄建议?WrN世界播


MS. STRBICH: We advise clients to allocate savings for education between 529 accounts, investment accounts in their name and Roth IRAs, if you are eligible to contribute. This approach allows savers to take advantage of the tax savings offered in 529s and to retain flexibility of the assets in the Roth IRAs and investment accounts to help you if life throws you a curveball. WrN世界播

我们建议客户在529个账户、他们名下的投资账户和Roth IRA之间分配教育储蓄,如果你有资格捐款的话。这种方法允许储户利用529提供的税收节省,并保留Roth IRA和投资账户中资产的灵活性,以便在生活向你抛出曲线球时帮助你。WrN世界播


MR. SWETT: For parents who are interested in longer-term saving for college, it may be worthwhile to consider investing in defensive sectors such as health care, consumer staples and utilities. Those sectors tend to pay dividends and may hold their values more effectively in difficult economies. Additionally, this exposure can be attained within formalized college plans or in traditional brokerage accounts for those who prefer a less formalized strategy. WrN世界播

斯威特:对于对大学长期储蓄感兴趣的家长来说,可能值得考虑投资于防御性行业,如医疗保健、日用消费品和公用事业。这些部门往往会支付红利,在困难的经济中可能会更有效地保住自己的价值。此外,这种敞口可以在正规的大学计划中获得,或者对于那些喜欢不那么正规的战略的人来说,可以在传统的经纪账户中获得。WrN世界播


WSJ:We’ve heard that utilizing a Roth IRA more often for college savings could be a good idea. Is this a good option in this environment vs. a 529, and why or why not? WrN世界播

“华尔街日报”:我们听说,更多地利用罗斯个人退休帐户(Roth IRA)来存钱可能是个好主意。在这种环境下,与529相比,这是一个好的选择吗?为什么不是呢?WrN世界播


MS. STRBICH: For funds that are certain to be used for education, a 529 account still has more tax advantages, especially if you live in a state with a tax deduction for 529-account contributions. If you may not need the funds for college tuition, or you could have a job change that may require you to access some of these funds, a Roth IRA would be the better choice, as you can always access your contributions penalty-free. WrN世界播

斯特里奇:对于肯定会用于教育的资金,529账户仍然有更多的税收优惠,特别是如果你生活的州对529账户的捐款有税收减免的话。如果你可能不需要大学学费的资金,或者你可能有一个工作的改变,可能需要你访问其中的一些资金,罗斯个人退休帐户将是更好的选择,因为你总是可以获得你的捐款免罚款。WrN世界播


MR. HILL: One major downside to utilizing a Roth IRA in order to save more for your child’s future education is that there are tax implications on the earnings that are withdrawn prior to age 59 and/or if you’ve had it for less than five years. One advantage of using a Roth IRA would be your ability to use the funds for your retirement, should your child get financial assistance elsewhere or decide not to use it at all. WrN世界播

希尔:使用罗斯个人退休帐户(Roth IRA)来为孩子未来的教育存更多钱的一个主要缺点是,在59岁半之前提取的收入和/或如果你使用它的时间不到5年,就会受到税收的影响。使用Roth IRA的一个好处是,如果您的孩子在其他地方获得经济援助或决定根本不使用它,您就有能力将这些资金用于退休。WrN世界播

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