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– Minnesota State University, Mankato
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Minnesota State University, Mankato
Minnesota State University, Mankato

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Page address: https://www.mnsu.edu/giving/waystogive/stock.html
Giving stocks that have increased in value can be better than giving cash.

Make a real-world impact on Minnesota State Mankato students by donating your appreciated securities instead of cash. Your gift will help students pursue their big ideas, and it will help you save on your taxes as well. Donating appreciated securities leverages your giving and allows you to make a bigger impact on students. It also helps you avoid long-term capital gains taxes, gives you an income tax deduction for the full market value of the securities, and may reduce the value of your estate.

Tax Impact

Key donor benefits of a $10,000 gift of stock with a cost basis of $2,000
 

Cash Gift

Stock Gift

Current fair market value of stock

 $10,000 $10,000

Income taxes saved

 $3,960 $3,960

Capital gains taxes saved*

 $0 $1,904

Total tax savings

 $3,960 $5,864
*Assumes 20% capital gains tax and 3.8% surtax on net investment income
Let’s say you bought securities for $2,000 five years ago that are worth $10,000 today. If you sold this stock, you would pay capital gains tax on the $8,000 gain in value ($1,904 for those in the upper tax brackets)*. Your take away, including your original investment is $8,400. 
 
Now, let’s say that instead of selling that same stock, you donated it to Minnesota State Mankato. Not only does the full $10,000 come to Minnesota State Mankato and serve as a charitable gift deduction on your taxes, but you pay no capital gains tax – thereby increasing your overall gift to Minnesota State Mankato. Be sure to consider securities you’ve held for at least one year.
 
Using this strategy leverages your gift and allows your charitable dollars to go farther and have more impact. 
 
Finally, for high-wealth individuals, donating appreciated securities may be an effective way to reduce your estate’s value.
 
As always, we encourage you to consult with a trusted financial advisor regarding your particular situation. The above scenario is for illustrative purposes only and each individual’s situation may be different. 

How to Give

Arranging an Electronic Transfer is the easiest and most preferred way to give appreciated stock. Contact your broker and ask them to contact Minnesota State Mankato Foundation’s broker:

Stifel
112 South Riverfront Drive
Mankato, MN 56001 
Attn: Mary Conley or Laura Cluff
507-625-3127
1-800-395-3445
  • After transfer is complete, please call Gift Receipting Manager Joann Jaqua at 507-389-6832 with the gift designation. This will ensure your gift is designated according to your wishes.

For paper stock certificates, you may personally deliver the stock certificate or mail it to:

Joann Jaqua, Gift Receipting Manager
Minnesota State Mankato Foundation
126 Alumni Foundation Center
Mankato, MN 56001