慈善捐赠趋势

According to the most recent report by Giving USA, Americans gave $499 billion to charity in 2022.¹

Americans usually give to charity for two main reasons: to support a cause or organization they care about or to leave a legacy through their support.

When giving to charitable organizations, some people elect to support through cash donations. Others, 然而, understand that supporting an organization may generate tax benefits. They may opt to follow techniques that can maximize both the gift and the potential tax benefit.

以下是一些慈善选择的快速回顾:

Direct gifts are just that: contributions made directly to charitable organizations. Direct gifts may be deductible from income taxes, depending on your individual situation.

Charitable gift annuities are not related to annuities offered by insurance companies. 在这个安排下, 捐款人捐钱, 证券, 或者房地产, 作为回报, the charitable organization agrees to pay the donor a fixed income. Upon the death of the donor, the assets pass to the charitable organization. Charitable gift annuities enable donors to receive consistent income and potentially manage their taxes.

Pooled-income funds pool contributions from various donors into a fund, 哪个是慈善组织投资的. Income from the fund is distributed to the donors according to their share of the fund. 汇集收入基金可使捐助者获得收入, 管理他们的税务负担, 并为慈善事业做一份未来的礼物.

Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the pooled-income fund can be obtained from your financial professional. 在你投资或汇款之前仔细阅读它.

Gifts in trust enable donors to contribute to a charity and leave assets to beneficiaries. 一般来说，这些不可撤销信托有两种形式. 用慈善信托基金, the donor or chosen beneficiaries can receive lifetime income from the assets in the trust, which is then passed to the charity when the donor dies; in the case of a charitable lead trust, the charity receives the income from the assets in the trust, which passes to the donor's beneficiaries when the donor dies.

Using a trust involves a complex set of tax rules and regulations. 在进行信托之前, consider working with a professional who is familiar with these rules and regulations.

Donor-advised funds are funds administered by a charity to which a donor can make irrevocable contributions. This gift may have tax considerations, which is another benefit. The donor also can recommend that the fund make distributions to qualified charitable organizations.

Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the donor-advised fund can be obtained from your financial professional. 在你投资或汇款之前仔细阅读它.

Some people are comfortable with their current gifting strategies. 其他人可能需要更先进的策略, 然而, which can maximize their gift and generate potential tax benefits. A financial professional can help you assess which approach may work best for you.

Remember, the information in this article is not intended as tax or legal advice. And it may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation.

1. GivingUSA.org, 2023

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