Here's how your appreciated assets, held for more than one year, could be great donations.
Most of America's wealth is held in appreciated, non-cash assets, and many donors don't know the potential benefits of contributing these assets to charity.
Appreciated investments could be an important and beneficial part of a donor's overall philanthropic wealth management strategy.
Assets that have appreciated in value can be among the most tax-advantaged items to contribute to charity for donors who itemize their deductions and may potentially result in even more resources for the donor's favorite causes.
Individuals heavily invested in a security may consider contributing some of those assets to reduce the position in their portfolio.
Those with significant wealth and/or a taxable estate may consider contributing part of their holdings.
Those looking to diversify wealth may want to contribute a portion of their private business interests.
Business owners with a liquidation event on the horizon may want to donate a portion of their ownership stake.
Donating appreciated non-cash assets, held for more than one year, to charity is as easy as 1-2-3 using a donor-advised fund, such as a Schwab Charitable account.
Realize tax benefits; give more; maximize charitable giving impact; make a difference
Contribute appreciated assets, held for more than one year, to the donor-advised fund at any time; invest for potential growth
Charities potentially get more substantial donations and long-term support
For 20 years, Schwab Charitable has helped many donors, advisors and charities understand specific circumstances and considerations for converting appreciated assets into tax-effective charitable contributions via a donor-advised fund account.
Donating certain non-cash assets can be complex. Contact us.
Learn how to get started with a donor-advised fund account
Talk to a Schwab Charitable Relationship Manager for more information
Learn more about how donor-advised funds help support giving by liquidating non-cash assets for charitable causes
1 Some donors may be able to give up to 20% more when donating appreciated non-cash assets, held for more than one year, to a donor-advised fund.
2 Donors should consult with their tax advisor to determine the appropriate holding period. Under the Tax Cuts and Jobs Act enacted in 2017, carried interest income from investments held for less than three years may be taxed as a short-term capital gain. Individual circumstances may vary, and those interested in donating appreciated securities to charity should consult with a tax advisor about their particular situation.
A donor's ability to claim itemized deductions is subject to a variety of limitations depending on the donor's specific tax situation. Consult your tax advisor for more information.
Gifts of appreciated property can involve complicated tax analysis and advanced planning.
Schwab Charitable Fund™ is recognized as a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code. Contributions made to Schwab Charitable Fund are considered an irrevocable gift and are not refundable. Please be aware that Schwab Charitable has exclusive legal control over the assets you have contributed. Although every effort has been made to ensure that the information provided is correct, Schwab Charitable cannot guarantee its accuracy. This information is not provided to the IRS.
Schwab Charitable is the name used for the combined programs and services of Schwab Charitable Fund, an independent nonprofit organization. Schwab Charitable Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation.
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