增值证券礼品

Securities and mutual funds that have increased in value are the most popular of assets to use when making a 礼物 to UNH. Making a 礼物 of securities or mutual funds offers you the chance to support UNH while realizing important financial benefits for yourself.

When you donate to UNH appreciated securities or mutual funds you have held more than one year, you can reduce or even eliminate federal capital gains taxes on the transfer. You may also be entitled to a federal income tax charitable deduction based on the fair market value of the securities at the time of the transfer.

使用增值证券的方法

• 遗嘱或生前信托中的礼物. If you aren't ready to give up these assets during your lifetime, a 礼物 of securities through your will or living trust allows you the flexibility to change your mind at any time. You can continue to receive dividends and participate in shareholder votes, and the securities are still yours if you need them for other expenses.
   
• 捐助者建议的基金. When you contribute to a donor-advised fund with appreciated securities, you may receive a federal income tax charitable deduction for the fair market value of the asset and eliminate capital gains tax. 因为UNH是一个非营利组织, we also do not pay capital gains tax when we sell the 礼物ed securities to fund the designation you choose, 所以你可以产生比现金更大的影响.
   
• 天赋异禀. Create an endowment or contribute to one that is already established to ensure that your support of UNH will last forever. We can help guide you to the designation that means the most to you.
   
• 慈善礼物年金. Funding a 礼物 annuity with appreciated securities or mutual funds will not only provide you with reliable payments for life and allow you to support our work, 但它可以提供许多经济上的好处. 第一个, your annuity payments are often more than the dividends you would receive each year from the securities. 第二个, you can receive a federal income tax charitable deduction (when you itemize) in the year the 礼物 is made and eliminate part of the capital gains tax you would have paid if selling the securities.
   
• 慈善信托基金. Highly appreciated securities are one of the best ways to fund a charitable remainder trust. You may be reluctant to sell such assets directly because of the tax you would pay on the gain; however, 如果资产被转移到慈善信托, 这些资产可以出售而不产生资本利得税. The trustee can then reinvest the proceeds in order to secure a higher current income yield.
   
• 慈善领导信托. Rapidly appreciating assets such as stocks are a great way to fund a charitable lead trust. The assets transferred to the lead trust are frozen in value for transfer-tax purposes at the time of funding. 在信托期限结束时, all appreciation that takes place in the trust will pass tax-free to your heirs.

*州法律规定死亡账户的应付款项. Please consult with your bank representative or investment advisor if you are considering this 礼物.