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Ways to Give - Appreciated Securities

Gifts of securities – stocks, bonds, treasuries, and mutual funds that have increased in value can be a way to make meaningful gifts that result in maximum tax savings. When you give qualified property that you have owned for longer than one year, you are entitled to an income tax deduction for the full value of the asset, not just the amount you paid for it. And you will never have to pay the capital gains tax that would be due if you sold the asset. You may deduct gifts of appreciated assets each year in amounts totaling up to 30% of your adjusted gross income and can use any excess deduction in as many as five future years.

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The Office of University Development has professional giving officers ready to work with you and your advisors. We may be reached Monday-Friday between the hours of 8 am and 5 pm by calling 1-800-671-7085 or 581-1151.

When giving securities, specific advice should be obtained from your financial advisors. Additional time should be allowed for completion of such gift transactions. The value of a gift of publicly traded securities will be the average of the high and low prices on the date the gift is completed. Please call the Gift Processing Department (1-866-578-2156) for further instructions and information on donating securities or transferring securities electronically.

Be sure to keep acknowledgments and other records of your gifts to assure that you can use your deductions. This is especially important for gifts of $250 or more.

When securities have decreased in value

If the value of your securities is less than their original cost, it is usually better to sell them and make a charitable gift using the cash proceeds. You may then be able to claim tax benefits for both the capital loss and the charitable gift, effectively deducting more than the current value of the assets.

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