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Stocks and Securities

There are many financial benefits to making a gift of appreciated stocks, bonds, or mutual funds that you have owned for at least one year. Not only will you pay no capital gains tax on the asset, but you also receive an immediate tax deduction for the fair market value of the securities you gifted. Below is an illustration that shows you would save $1,500 by making the same $10,000 gift using appreciated securities.

 

Gift of Stock Gift of Cash
Gift Amount $10,000 $10,000
Income Tax Savings (25% Tax Bracket) $2,500 $2,500
Capital Gains Tax Avoided $1,500 None
Total Tax Savings $4,000 $2,500
Net Cost of Your Gift $6,000 $7,500