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Question

What is the difference between giving cash and giving appreciated stock?

Answer

Giving long-term appreciated stock may let you deduct the full fair market value and avoid the capital gains tax you’d owe on a sale. Cash gifts are more straightforward but don’t carry that added benefit. Appreciated assets are subject to a 30% of AGI limit rather than the 60% limit for cash, so the right choice depends on your holdings and the size of your gift.

Related FAQs

Is a qualified charitable distribution still worth it under the new rules?

How does the 35% cap on itemized deductions work?

What happens to my charitable deduction in a year my income spikes?
Tax Planning Financial Planning Charitable Giving Impact of New Laws Tax Basics Tax Tips & Tricks OBBBA Protecting Your Legacy Year-Round Tax Planning FAQs
Last Updated Sept. 8, 2026
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