Stocks & Mutual Funds

A gift of stock or mutual funds before December 31 could be a great way to maximize tax savings and meet your charitable giving goals this year.

Even if your stocks have lost value since you purchased them, you can receive tremendous tax advantages. The key is in how you give the securities! Consult with your financial advisor and consider the following tips.

A Smart Way to Donate Depreciated Stock

For stocks that have lost value, or depreciated, the key is to sell them first and then give the cash proceeds to Habitat for Humanity of Bucks County. You are likely to qualify to benefit tax-wise in two ways – you may qualify to take both the loss deduction and the charitable deduction.

A Smart Way to Donate Appreciated Stock

For stocks that have increased, or appreciated, in value the key to receiving tax savings is to donate the shares directly to Habitat for Humanity of Bucks County. You may receive a double tax benefit by:

  • Avoiding capital gains on the profit you’ve gained, and
  • Receiving a full tax deduction for the fair market value of your gift.

If you would like to make a gift of stock or mutual funds, please contact: Candace Clarke, Resource Development Director, c.clarke@habitatbucks.org or 215-822-2812 ext. 316.