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Securities

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Appreciated Securities

Securities and mutual funds that have increased in value and been held for more than one year are one of the most popular assets to use when making a gift to Mount St. Mary’s College. Making a gift of securities or mutual funds to us offers you the chance to support our work while realizing important benefits for yourself.

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

Securities are most often used to support our work in the form of:

An outright gift. When you donate securities to Mount St. Mary’s College, you receive the same income tax savings that you would if you wrote us a check, but with the added benefit of eliminating capital gains taxes on the transfer, which can be as high as 20 percent. Making a gift of securities to support our mission is as easy as instructing your broker to transfer the shares or, if you have the physical securities, hand-delivering or mailing the certificates along with a stock power to us in separate envelopes. (Using separate envelopes safeguards your gift—the certificates will not be negotiable without the stock power.)

A transfer on death (TOD) account. By placing a TOD designation on your brokerage or investment account, that account will be paid over to one or more persons or charities after your lifetime. It is not necessary for the TOD designation to transfer all of the account solely to charity—you can designate a certain percentage of the account. Like a POD account, with a TOD account the beneficiary you name has no rights to the funds until after your lifetime. Until that time, you are free to use the money in the brokerage account, to change the beneficiary or to close the account.

A gift in your will or living trust. If you aren't ready to give up these assets during your lifetime, a gift 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. In as little as one sentence you can ensure that your support for Mount St. Mary’s College continues after your lifetime and that your estate will benefit from a charitable estate tax deduction.

A donor advised fund. When you contribute to a donor advised fund with appreciated securities, you will receive a federal income tax charitable deduction for the fair market value of the asset and eliminate capital gains tax. Because of our nonprofit status, Mount St. Mary’s College does not pay capital gain tax when we sell the gifted securities.

A memorial gift. If you have a friend or family member whose life has been touched by Mount St. Mary’s College, consider making a gift to us in his or her name.

An endowed gift. Create an endowment or contribute to one that is already established to ensure that your support of Mount St. Mary’s College will last forever.

A charitable gift annuity. Funding a gift annuity with appreciated securities or mutual funds will not only provide you with reliable payments for life and allow you to support our work, but it can offer numerous financial benefits. First, your annuity payments are often more than the dividends you would receive each year from the securities. Second, you will receive a federal income tax charitable deduction in the year the gift is made and eliminate part of the capital gains tax you would have paid if selling the securities.

A charitable remainder trust. 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, if the assets were transferred to a charitable remainder trust, the assets can be sold without incurring the capital gains tax. The trustee can then reinvest the proceeds in order to secure a higher current income yield.

A charitable lead trust. 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. At the end of the trust's term, all appreciation that takes place in the trust will pass tax-free to your heirs.

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  1. Contact Cindy F. Hizami at 213.477.2740 or chizami@msmc.la.edu for additional information on appreciated securities.
  2. Seek the advice of your financial or legal advisor.
  3. If you include Mount St. Mary’s College in your plans, please use our legal name and Federal Tax ID.

Legal Name: Mount St. Mary's College
Address: 10 Chester Place Los Angeles, CA 90007
Federal Tax ID Number: 95-1641455

Cash

The easiest way to fund a charitable remainder annuity trust, charitable remainder unitrust or charitable lead trust is with cash.

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Appreciated Securities

The best assets to fund a charitable remainder annuity trust are readily marketable appreciated securities. Rapidly appreciating assets are best used to fund a charitable lead trust.

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Real Estate

Avoid the hassle of having to sell your property—and perhaps lose money during the process—by using real estate to fund a charitable remainder unitrust. An ideal asset to fund a charitable lead trust may be unencumbered, income-producing real estate that is expected to appreciate.

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Cash

A gift of cash in the form of a check is the easiest way to memorialize your loved one and support our work.

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Appreciated Securities

The most tax-efficient way to fund a memorial is with appreciated assets you have held for more than a year.

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Cash

A gift of cash in the form of a check is the easiest way to create a lasting legacy through our endowment.

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Appreciated Securities

The most tax-efficient way to fund an endowed gift is with appreciated assets you have held for more than a year.

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Tangible Personal Property

You may be able to use non-income-producing property such as stamp and coin collections or works of art in exchange for a federal income tax charitable deduction.

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Real Estate

Your gift of appreciated real estate will qualify for a federal income tax charitable deduction for the fair market value of the property and eliminate long-term capital gains tax.

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Real Estate

Your gift of appreciated real estate will qualify for a federal income tax charitable deduction for the fair market value of the property and eliminate long-term capital gains tax.

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Appreciated Securities

Eliminate capital gains tax by donating appreciated assets you have held for more than a year on the transfer.

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Tangible Personal Property

You may be able to use non-income-producing property such as stamp and coin collections or works of art in exchange for a federal income tax charitable deduction.

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Cash

When you establish a donor advised fund with cash, you will receive an immediate federal income tax charitable deduction for the year the gift was created.

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Cash

Cash—usually in the form of a check—is one of the most common ways to fund a charitable gift annuity.

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Appreciated Securities

By funding a charitable gift annuity with appreciated securities you've owned more than a year, you receive the additional benefit of eliminating part of the capital gains tax on the transfer.

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Closely Held Stock

Use this asset, which is not easily converted to cash, to create a charitable gift annuity and receive tax benefits.

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Real Estate

Unencumbered real estate such as a personal residence, vacation home, farm or commercial property works best to fund a deferred charitable gift annuity.

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Tangible Personal Property

Use non-income producing assets such as stamp and coin collections or works of art in exchange for fixed payments for life.

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A charitable bequest is one or two sentences in your will or living trust that leave to MSMC a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

“I, [name], of [city, state ZIP], give, devise and bequeath to Mount St. Mary’s College [written amount or percentage of the estate or description of property] for its unrestricted use and purpose.”

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much money (and how often) you want to distribute money from that fund to MSMC or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate, or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the gift tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to MSMC as a lump sum.

You fund this trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to MSMC as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and MSMC where you agree to make a gift to MSMC and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

Real Estate

To avoid the administrative hassles of selling real estate during your lifetime, give it to us through a bequest.

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Cash

A gift of cash is one of the most popular ways to support us after your lifetime. You may gift a specified sum of money or a percentage of your estate.

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Appreciated Securities

A gift in your will or trust of securities often allows you to make larger gifts than you could during your lifetime.

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Tangible Personal Property

Leave your legacy with a gift of antiques, stamp/coin collections or works of art.

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Bank Accounts, Certificates of Deposit or Brokerage Accounts

You can name MSMC as beneficiary of your bank accounts, CDs and brokerage accounts by designating your account as Payable on Death (POD) or Transfer on Death (TOD) to us.

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Commercial Annuities

A portion of the distributions from commercial annuities is subject to income tax for non-charitable beneficiaries. Naming MSMC as a beneficiary of all or a portion of your commercial annuity will allow us to receive the assets you designate to us completely tax-free.

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Retirement Plan Assets

The full value of your IRA, 401(k), 403(b) or other qualified plans is subject to federal and state estate taxes at your death and the distributions from these accounts are subject to federal and applicable state income taxes. Instead, consider naming MSMC as a beneficiary of all or a portion of your plan.

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Life Insurance

By naming MSMC as a beneficiary of all or a portion of your life insurance policy, you support our work while retaining the ability to change your gift if your plans change.

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