Which Is Better? Donating a QCD or Appreciated Investments?
Dec 1, 2016
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By Michael Kitces, MSFS, MTAX, CFP, CLU, ChFC
Donating a qualified charitable distribution to satisfy an RMD may be more tax effective than taking that RMD and donating cash to charity. In many cases, a QCD is not as good as donating low-basis stock or other appreciated investments to avoid long-term capital gains.