加州财务长马世云：五大储蓄计划服务逾150万居民 资产213亿美元、两年增长49%
Sacramento——加州财务长办公室10月12日发布「全民财务安全」（Financial Security For All）倡议进展：财务长马世云（Fiona Ma）任内扩展的五大储蓄计划——CalKIDS儿童奖学金账户、ScholarShare 529大学储蓄计划、CalSavers退休储蓄计划、CalABLE残障人士储蓄账户与HOPE儿童信托账户——合计服务超过150万名加州居民，资产与投资总额超过213亿美元，两年内增长49%。发布稿指出，对于可能面临语言、信息等障碍的居民，社区与多语种媒体在帮助家庭了解这些计划方面可以发挥重要作用。
其中，CalKIDS为加州新生儿和符合条件的公立学校低收入学生设立奖学金账户，用于高中毕业后的教育或职业培训。该计划2022年在马世云任内启动，由ScholarShare投资委员会管理，是全美最大的州级儿童发展账户计划，覆盖近600万名儿童与学生；2026年，该计划第100万个奖学金账户被领取。符合条件的儿童自动获得奖学金账户，家长无需为奖学金本身提出申请，可在CalKIDS.org查询资格、领取并管理账户，也可以再通过ScholarShare 529为孩子追加储蓄。
CalSavers为雇主不提供退休计划的劳动者提供从工资中直接储蓄的渠道，雇员可自行管理储蓄额、缴存比例与投资选择。CalABLE帮助符合条件的残障人士在不影响部分公共福利资格的前提下储蓄与投资，截至今年5月已有超过2万个账户、资产2.786亿美元，其注册门户提供20种语言服务。HOPE儿童信托账户计划则为符合条件的寄养青少年，以及因新冠疫情失去父母或主要照顾者的儿童提供3000美元信托账户，帮助他们成年起步。
财务长办公室还通过加州债务额度分配委员会与税收抵免分配委员会，以免税债券和州、联邦税收抵免支持可负担出租住房的建设与保留；通过加州教育设施管理局管理大学入学税收抵免基金，支持社区学院学生转入参与计划的传统黑人大学、最高5000美元的助学金，捐赠者可获相当于捐款额50%的州税收抵免；通过资本计划与气候融资管理局协助小企业经参与贷款机构获得融资；通过替代能源与先进交通融资管理局的GoGreen计划，帮助房主、租客与小企业为供暖制冷、保温等节能改造融资。
马世云在发布稿中说：「加州是拥有不同语言、文化和财务经历的社区的家园，我亲身体会到家庭为创造更美好未来所怀抱的希望。作为移民的长女，我从小看着父母努力工作，在这个国家建立生活。这段经历塑造了我的信念：每一位加州人都应该能获得帮助自己和家人建立财务安全的信息、工具与机会。」她说：「计划只有在人们知道它们存在、并理解它们如何能帮助自己时，才会发挥作用。我们希望每个社区的加州人都知道，财务长办公室是为他们、他们的家人和他们的未来准备的资源。」
马世云是加州第34任财务长，2019年1月就任，是首位当选该职务的有色人种女性，也是首位当选的女性注册会计师。州财务长是加州的「州银行家」，担任所有州债券的发售代理人，并受托管理州债务；财务长办公室每年处理超过3万亿美元的银行交易，管理约1500亿美元的投资组合。财务长办公室各项计划详情可查treasurer.ca.gov。
关联：
州财务长马世云宣布出售17亿美元一般义务债券 为州公共工程融资
California Treasurer Fiona Ma: Five Savings Programs Serve Over 1.5 Million Residents, $21.3 Billion in Assets, Up 49% in Two Years
Sacramento — The California State Treasurer's Office on October 12 reported progress on its Financial Security For All initiative: the five savings programs expanded under Treasurer Fiona Ma — CalKIDS scholarship accounts, the ScholarShare 529 college savings plan, the CalSavers retirement savings program, CalABLE accounts for people with disabilities and the California HOPE for Children Trust Account Program — together serve more than 1.5 million Californians and represent more than $21.3 billion in assets and investments, with the portfolio growing 49% in two years. The office noted that for residents who may face language, information or other barriers, community and in-language media can play an important role in connecting families with programs they may not know are available.
CalKIDS provides scholarship accounts to California newborns and eligible low-income public school students for education or career training after high school. Launched in 2022 under Ma and administered by the ScholarShare Investment Board, CalKIDS is the nation's largest statewide child development account program, reaching nearly 6 million children and students; in 2026, its 1 millionth scholarship account was claimed. Eligible children are automatically awarded accounts, so families do not need to apply for the scholarship itself; parents and guardians can check eligibility and claim and manage accounts at CalKIDS.org, and can build on the scholarships through ScholarShare 529, California's official college savings plan.
CalSavers gives workers whose employers do not sponsor a retirement plan a way to save directly from their paychecks, with employees able to manage their savings, contribution rate and investment choices. CalABLE helps eligible people with disabilities save and invest while protecting access to certain public benefits; more than 20,000 CalABLE accounts held $278.6 million as of May, and its enrollment portal is available in 20 languages. The HOPE program provides $3,000 trust accounts to eligible foster youth and children who lost a parent or qualifying caregiver to COVID-19.
The Treasurer's Office also supports affordable housing through the California Debt Limit Allocation Committee and the California Tax Credit Allocation Committee, which help finance affordable rental housing through tax-exempt bonds and state and federal tax credits. Through the California Educational Facilities Authority, the office administers the College Access Tax Credit Fund, which supports grants of up to $5,000 for community college students transferring to participating Historically Black Colleges and Universities, with contributors eligible for a state tax credit equal to 50% of their contribution. The Capital Programs & Climate Financing Authority helps small-business owners access financing through participating lenders, and the California Alternative Energy and Advanced Transportation Financing Authority's GoGreen programs help homeowners, renters and small businesses finance energy-efficient improvements.
"California is home to communities with different languages, cultures and financial experiences, and I know firsthand the hopes families bring with them when they work to build a better future," Ma said. "As the oldest child of immigrants, I grew up watching my parents work hard to build a life in this country. That experience has shaped my belief that every Californian should have access to the information, tools and opportunities that can help them build financial security for themselves and their families." She added: "Programs only make a difference when people know they exist and understand how they can benefit. We want Californians in every community to know the Treasurer's Office is a resource for them, their families and their futures."
Ma is California's 34th State Treasurer, having taken office in January 2019; she is the first woman of color and the first woman Certified Public Accountant elected to the position. The State Treasurer serves as the state's banker and is agent of sale for all state bonds and trustee of billions of dollars of state indebtedness; the office processes more than $3 trillion in banking transactions annually and manages a $150 billion investment portfolio. Details of the office's programs are at treasurer.ca.gov.
Related:
State Treasurer Fiona Ma Announces Sale of $1.7 Billion of General Obligation Bonds
发布：GSM·美国（发布链接）
图片来源：图：加州财务长马世云官方肖像。加州财务长办公室发布、供新闻媒体与公众使用，来源：treasurer.ca.gov
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