{"id":702,"date":"2014-03-20T17:01:01","date_gmt":"2014-03-20T21:01:01","guid":{"rendered":"https:\/\/www.canadahelps.org\/?page_id=702"},"modified":"2023-10-02T14:23:39","modified_gmt":"2023-10-02T18:23:39","slug":"benefits-of-donating-securities","status":"publish","type":"page","link":"https:\/\/www.canadahelps.org\/en\/why-canadahelps\/ways-to-give\/benefits-of-donating-securities\/","title":{"rendered":"Benefits of Donating Securities"},"content":{"rendered":"<style>\n.charitable-tax-credits {text-decoration: underline;}\n<\/style>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-22275\" src=\"https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Hero_EN.jpg\" alt=\"\" width=\"961\" height=\"308\" srcset=\"https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Hero_EN.jpg 961w, https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Hero_EN-300x96.jpg 300w, https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Hero_EN-768x246.jpg 768w\" sizes=\"auto, (max-width: 961px) 100vw, 961px\" \/><\/p>\n<h2>Make a bigger impact by donating securities and mutual funds!<\/h2>\n<p>A donation of securities or mutual fund shares is the most efficient way to give charitably. With a donation of securities or mutual funds, capital gains tax does not apply, allowing you to give more and avoid paying capital gains taxes. Learn more about <a class=\"charitable-tax-credits\" href=\"https:\/\/www.canadahelps.org\/en\/tax-time\/\">charitable tax credits<\/a> here.<\/p>\n<p>Plus, with CanadaHelps you can donate securities and mutual funds to ANY of Canada\u2019s 86,000 registered charities. You can even payout your donation across multiple charities!<\/p>\n<p><a class=\"btn btn-primary\" title=\"Donate Securities\" href=\"https:\/\/www.canadahelps.org\/en\/donate\/donate-securities\/\">DONATE SECURITIES NOW<\/a><\/p>\n<h2>We make it easy to donate securities and mutual funds. Learn how it works:<\/h2>\n<p>Let\u2019s say you purchased common shares in ABC Company for a cost of $1,000 and a few years later they now have a current market value of $5,000. You would have a capital gain of $4,000.<\/p>\n<p>The chart below illustrates what happens if you sell the shares and then donate the after-tax proceeds and what happens if you donate the shares directly using CanadaHelps.<\/p>\n<p><strong>By donating shares directly, you get a larger tax credit and give more to the charity you care about.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Chart_EN.png\" alt=\"\" width=\"1539\" height=\"710\" class=\"alignnone size-full wp-image-26090\" srcset=\"https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Chart_EN.png 1539w, https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Chart_EN-300x138.png 300w, https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Chart_EN-768x354.png 768w, https:\/\/www.canadahelps.org\/media\/LPs_Securities_Graphics_Chart_EN-1024x472.png 1024w\" sizes=\"auto, (max-width: 1539px) 100vw, 1539px\" \/><\/p>\n<p><a name=\"video\"><\/a><\/p>\n<h2>Interested in learning more? Watch our short 15 minute webinar on donating securities and mutual funds!<\/h2>\n<p>Learn everything you need to know about donating securities and mutual funds. Join our expert Paul Nazareth from the Canadian Association of Gift Planners for a short 20 minute webinar on everything you need to know. You\u2019ll learn why it\u2019s good for donors, why it\u2019s great for charities, and exactly how it works!<\/p>\n<style>\/*this makes the youtube embed full size and responsive*\/.videoWrapper {position: relative;padding-bottom: 56.25%; \/* 16:9 *\/padding-top: 25px;height: 0;}.videoWrapper iframe {position: absolute; top: 0;left: 0; width: 100%;height: 100%;}<\/style>\n<div class=\"videoWrapper\"><iframe loading=\"lazy\" width=\"560\" height=\"315\" title=\"Give Strategically with Securities and Mutual Fund Donations\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/b4KtBGtoJNc\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" frameborder=\"0\" allowfullscreen><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p><a class=\"btn btn-primary\" title=\"Donate Securities\" href=\"https:\/\/www.canadahelps.org\/en\/donate\/donate-securities\/\">DONATE SECURITIES NOW<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 12px;\">*Please note, it typically takes 3\u20135 business days to sell and settle a trade from the date that we receive the securities or mutual fund from your broker or financial institution. If your security is not liquid (i.e. paper certificates) and they are not traded on a daily market, processing times are longer and can vary be security type. In such cases, CanadaHelps will contact you to share expected timelines.<\/span><\/p>\n<p><em>1. This assumes a 46% marginal tax rate. For calculating capital gains tax, this rate is applied to 50% of the capital gain.<br \/>\n2. $4,080.00 represents the full value of $5,000.00 minus estimated tax of $920.00.<br \/>\n3. 3% fee applies to donations less than $10,000; 2.5% fee applies to donations between $10,000-$49,999; 2.25% fee applies to donations between $50,000-$99,999; 2% fee applies to donations $100,000+<\/em><\/p>\n<p>These are general figures for the purpose of illustration. They do not constitute legal or financial advice. We strongly encourage you to seek professional legal and\/or financial advice before deciding upon your donation to charity.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Make a bigger impact by donating securities and mutual funds! A donation of securities or mutual fund shares is the most efficient way to give &#8230; <a href=\"https:\/\/www.canadahelps.org\/en\/why-canadahelps\/ways-to-give\/benefits-of-donating-securities\/\" id=\"canadahelp-blog-meta\">Read more<\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":137,"menu_order":0,"comment_status":"open","ping_status":"open","template":"template-custom.php","meta":{"footnotes":""},"class_list":["post-702","page","type-page","status-publish","hentry"],"acf":{"meta_description":"","use_toc_layout":false,"toc_image":"https:\/\/www.canadahelps.org\/media\/securities-pen-header.jpg","sections":[{"full_title":"The Benefits: Save More, Give More  ","short_title":"","description":"<p>The Canada Revenue Agency does not apply capital gains tax on donations of publicly traded securities. <i>Capitals gains<\/i> are the increase in the value of your securities over the price you paid at purchase.<\/p>\n<p>When you sell your shares for cash, you\u2019re responsible for the tax due on the gain, even if you plan to donate the proceeds from the sale. If you pay the tax out of those proceeds, there\u2019s less money left to donate. Your charity receives a smaller donation and you have a smaller donation to claim for your charitable tax credit at the end of the year.<\/p>\n<p>But when you donate your securities directly through CanadaHelps, those capital gains aren\u2019t subject to tax. This means your charity receives a larger gift, and you\u2019ll benefit from a tax receipt for the full value of your eligible securities or mutual funds.<\/p>\n<p><b>Here\u2019s an example of how it works.<\/b><\/p>\n<p>Let\u2019s say you purchased common shares in ABC Company for a cost of $1,000. If the current market value of those shares has increased to $5,000, you would have a <i>capital gain<\/i> of $4,000.<\/p>\n<p>If you <b>sell those shares and donate the cash proceeds<\/b>, you\u2019ll owe tax on the capital gain. So, you set aside the taxes due from the proceeds, leaving you with less than the full cash value to donate and a tax receipt which reflects the smaller donation.<\/p>\n<p>But when you <b>donate the shares directly<\/b>, you owe no capital gains tax and you\u2019re able to donate the full value. So your charity gets a larger donation and you get a tax receipt which reflects your larger contribution.<\/p>\n<p>Here are some approximate figures to illustrate.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.canadahelps.org\/media\/Security-Chart_EN.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-359 aligncenter\" alt=\"Chat that shows how donating securities through CanadaHelps can benefit you and the charities you support. \" src=\"https:\/\/www.canadahelps.org\/media\/Security-Chart_EN.jpg\" width=\"605\" height=\"454\" srcset=\"https:\/\/www.canadahelps.org\/media\/Security-Chart_EN.jpg 960w, https:\/\/www.canadahelps.org\/media\/Security-Chart_EN-300x225.jpg 300w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/><\/a><\/p>\n<div align=\"center\"><\/div>\n<p>In this illustration, you\u2019re able to donate the full value of your securities to charity: $5,000.00. Your tax credit on that amount would be approximately $2,300, or about $920 more than if you had sold the shares and donated the proceeds as cash.<\/p>\n<p>By donating shares directly, you can save on taxes while you\u2019re offering more help to the charities you care about most.<\/p>\n<p><i>These are general figures for the purpose of illustration. They do not constitute legal or financial advice. We strongly encourage you to seek professional legal, estate planning and\/or financial advice before deciding upon your donations to charity.<\/i><\/p>\n","photo":false},{"full_title":"How to Donate Securities and Mutual Funds","short_title":"","description":"<p>CanadaHelps makes the process simple. Just complete two forms and we\u2019ll work out the rest with your financial advisor or investment firm.<\/p>\n<p>1. Answer a few basic questions using our online <span style=\"text-decoration: underline;\">Securities Donation Form<\/span>. [link] We\u2019ll ask you about the securities you\u2019d like to donate and how to contact your financial advisor or investment firm.<\/p>\n<p>2. Complete our form <span style=\"text-decoration: underline;\">Letter of Authorization<\/span>. [link]\u00a0 Send one copy to your financial advisor or investment firm and the other to us. This authorizes your advisor to work with us directly on the transfer of the shares.<\/p>\n<p>3. Once the transfer is complete, we\u2019ll notify you by e-mail and send you a tax receipt for the value of your donation.<\/p>\n<p>4. We\u2019ll deliver the funds to the charity (or charities) you\u2019ve chosen, minus the 3% administration fee we charge to cover our expenses.<\/p>\n<p>Download the contents of this page for easy reference. Get <span style=\"text-decoration: underline;\">Donating Securities with CanadaHelps<\/span> [link] now. (.pdf file, ## kb)<\/p>\n<p>&nbsp;<\/p>\n","photo":false}],"use_biography_grid":false,"insert_spotlight_boxes":false,"additional_body_css_classes":"","hide_page_title":false,"footer_panels":false,"header_banner_colour":"#748E09","row_settings":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guide to Donating Stocks, Securities and Mutual Funds | CanadaHelps<\/title>\n<meta name=\"description\" content=\"How to Make Charitable Gifts by Donating Stocks, Securities and Mutual Funds\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.canadahelps.org\/en\/why-canadahelps\/ways-to-give\/benefits-of-donating-securities\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide to Donating Stocks, Securities and Mutual Funds | CanadaHelps\" \/>\n<meta property=\"og:description\" content=\"How to Make Charitable Gifts by Donating Stocks, Securities and Mutual Funds\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.canadahelps.org\/en\/why-canadahelps\/ways-to-give\/benefits-of-donating-securities\/\" \/>\n<meta property=\"og:site_name\" content=\"CanadaHelps - 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