University of Minnesota
University of Minnesota Foundation
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Giving to medicine and health at the University of Minnesota

Gifts of appreciated stock are smarter than ever

Good news: stock prices have been rising in recent years, creating considerable “paper” wealth. The bad news for some is that the American Taxpayer Relief Act of 2012 has raised capital gains taxes from a top rate of 15 percent to 20 percent for those with taxable incomes above $400,000 (single taxpayers) or $450,000 (joint filers). In addition, many investors at lower income levels ($200,000 for singles, $250,000 for couples) may be subject to the 3.8 percent tax on net investment income when they harvest their gains.

Charitable gifts of appreciated securities held more than one year have always been attractive because, in addition to benefiting from the income tax charitable deduction, donors avoid the capital gains tax that would have been due if they sold the shares. Higher taxes increase the benefits of using appreciated assets to make charitable gifts to the University of Minnesota Foundation.

It’s also possible to make a gift of appreciated assets and retain income for life from the full value of the property, with no loss to capital gains tax.

To learn more, contact Jay Kautt at the University of Minnesota Foundation at 612-626-0510 or jkautt@umn.edu.

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