11. Gift Assets to a Family Member If you don’t want to pay 15% or 20% in capital gains taxes, give the appreciated assets to someone who doesn’t have to pay as high a rate. The IRS allows taxpayers to gift up to $14,000 per person (a couple filing jointly can gift up to $28,000), per year without incurring any gift tax. That means you could gift appreciated stock or other investments to a family member in a lower income tax bracket. If the family member chooses to sell the asset, it will be taxed at their rate, not yours. In some cases, capital gains tax could be avoided entirely.
This is a great way to pass on financial support or gifts to family members while minimizing capital gains tax. Note, however, that the tactic doesn’t work well for gifting to children or students under the age of 24. These dependents have to pay at the same tax rates paid by trusts and estates if they have unearned income from any sources – such as capital gains or interest income – that exceeds $2,100. This so-called “Kiddie Tax” means that any tax benefits are usually reversed if the asset is sold
【 在 chasecode (chasecode) 的大作中提到: 】 : 刚发现还有这样的合法避税策略。 : 如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税 : https://www.moneycrashers.com/reduce-avoid-capital-gains-tax-property- : investments/ : 11. Gift Assets to a Family Member : If you don’t want to pay 15% or 20% in capital gains taxes, give the : appreciated assets to someone who doesn’t have to pay as high a rate. The : IRS allows taxpayers to gift up to $14,000 per person (a couple filing : jointly can gift up to $28,000), per year without incurring any gift tax. : That means you could gift appreciated stock or other investments to a family : ...................
This is a great way to pass on financial support or gifts to family members while minimizing capital gains tax. Note, however, that the tactic doesn’t work well for gifting to children or students under the age of 24. These dependents have to pay at the same tax rates paid by trusts and estates if they have unearned income from any sources – such as capital gains or interest income – that exceeds $2,100. This so-called “Kiddie Tax” means that any tax benefits are usually reversed if the asset is sold 【 在 ihaveluck (ihaveluck) 的大作中提到: 】 : 可以送给自己子女避税吗 : family
12. Donate to Charity If you donate your appreciated asset to a charity or nonprofit you support, you’ll get a nice tax deduction along with no capital gains taxes. In fact, you can donate an appreciated asset and claim a tax deduction for its current fair market value.
For example, say you bought 100 shares of Apple at $63 and decided to donate it to charity. Your basis is $6,300. After its 7-to-1 split, let’s say the shares are worth $120. So, the value of your shares is 100 x 7 x $120 = $84,000. Your charitable deduction is $84,000, the fair market value on the date of donation of the stock. Moreover, you don’t have to pay capital gains tax on the $77,700 capital gain. Since charitable organizations are tax-exempt, the charity doesn’t have to pay capital gains taxes either. 【 在 lightroom (吃一条鱼，思考一个问题，法号三丰) 的大作中提到: 】 : 可以开一个charity account. 把翻了几翻到的一些股票放进去，不要交税。小孩从小 : 上private 或者 charters school每年都要捐款几千块。 : ：刚发现还有这样的合法避税策略。 : ：如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税
Being married is an easy way to double your giving power as both you and your spouse are entitled to the annual exclusion amount on a gift. As long as the gift is given from joint property, the IRS considers the gift to be half from each. Therefore, you and your spouse can give $28,000 total.
The same rule applies when you give to someone who is married. You can give an additional gift of up to $14,000 to the recipient’s spouse, making the annual limit from one couple to another couple $56,000 ($14,000 X 4 = $56, 000).
刚发现还有这样的合法避税策略。
如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税
https://www.moneycrashers.com/reduce-avoid-capital-gains-tax-property-
investments/
11. Gift Assets to a Family Member
If you don’t want to pay 15% or 20% in capital gains taxes, give the
appreciated assets to someone who doesn’t have to pay as high a rate. The
IRS allows taxpayers to gift up to $14,000 per person (a couple filing
jointly can gift up to $28,000), per year without incurring any gift tax.
That means you could gift appreciated stock or other investments to a family member in a lower income tax bracket. If the family member chooses to sell the asset, it will be taxed at their rate, not yours. In some cases, capital gains tax could be avoided entirely.
This is a great way to pass on financial support or gifts to family members while minimizing capital gains tax. Note, however, that the tactic doesn’t work well for gifting to children or students under the age of 24. These
dependents have to pay at the same tax rates paid by trusts and estates if
they have unearned income from any sources – such as capital gains or
interest income – that exceeds $2,100. This so-called “Kiddie Tax” means that any tax benefits are usually reversed if the asset is sold
他们卖掉股票的capital gain不付税？
牛。父母以后送还给你不用交税？
然后你父母要被土共征更多的税
短期内送还太明显了 估计会被IRS盯上
但是如果本来就要给父母汇钱的，送股票不就把税免了？
【 在 Noktard (万老, cash is trash) 的大作中提到: 】
: 牛。父母以后送还给你不用交税？
父母的海外账户，土共不知道
而且中国本来就没赠与税和股票利得税
【 在 straybird02 (straybird) 的大作中提到: 】
: 然后你父母要被土共征更多的税
操作好像不容易。从不同的brokerage之间转？
【 在 chasecode (chasecode) 的大作中提到: 】
: 短期内送还太明显了 估计会被IRS盯上
: 但是如果本来就要给父母汇钱的，送股票不就把税免了？
可以送给自己子女避税吗
【 在 chasecode (chasecode) 的大作中提到: 】
: 刚发现还有这样的合法避税策略。
: 如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税
: https://www.moneycrashers.com/reduce-avoid-capital-gains-tax-property-
: investments/
: 11. Gift Assets to a Family Member
: If you don’t want to pay 15% or 20% in capital gains taxes, give the
: appreciated assets to someone who doesn’t have to pay as high a rate. The
: IRS allows taxpayers to gift up to $14,000 per person (a couple filing
: jointly can gift up to $28,000), per year without incurring any gift tax. : That means you could gift appreciated stock or other investments to a
family
: ...................
可以开一个charity account. 把翻了几翻到的一些股票放进去，不要交税。小孩从小
上private 或者 charters school每年都要捐款几千块。
【在 chasecode(chasecode)的大作中提到：】
：刚发现还有这样的合法避税策略。
：如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税
就是降低税率，没说不交税。当然了，美国人都是穷逼，给一两万不用交税
★ 发自iPhone App: ChinaWeb 1.1.5
如果是non us resident，没有capital gain tax
【 在 skybluewei (weilan) 的大作中提到: 】
: 就是降低税率，没说不交税。当然了，美国人都是穷逼，给一两万不用交税
: ★ 发自iPhone App: ChinaWeb 1.1.5
第二段写着呢
This is a great way to pass on financial support or gifts to family members
while minimizing capital gains tax. Note, however, that the tactic doesn’t
work well for gifting to children or students under the age of 24. These
dependents have to pay at the same tax rates paid by trusts and estates if
they have unearned income from any sources – such as capital gains or
interest income – that exceeds $2,100. This so-called “Kiddie Tax” means
that any tax benefits are usually reversed if the asset is sold
【 在 ihaveluck (ihaveluck) 的大作中提到: 】
: 可以送给自己子女避税吗
: family
同一brokage不同账号很容易
【 在 Noktard (万老, cash is trash) 的大作中提到: 】
: 操作好像不容易。从不同的brokerage之间转？
如果父母是公民，但是是低收入是不是也可以用这种骚操作啊？感觉很牛啊
而且我觉额charity account那个方法更绝。太牛了。
父母是低收入公民，可能本来符合某些福利，会被影响
【 在 gimp999 (Cute) 的大作中提到: 】
: 如果父母是公民，但是是低收入是不是也可以用这种骚操作啊？感觉很牛啊
: 而且我觉额charity account那个方法更绝。太牛了。
是的 不用交capital gain，还能抵扣。
一来一回，差了2倍
12. Donate to Charity
If you donate your appreciated asset to a charity or nonprofit you support, you’ll get a nice tax deduction along with no capital gains taxes. In fact, you can donate an appreciated asset and claim a tax deduction for its
current fair market value.
For example, say you bought 100 shares of Apple at $63 and decided to donate it to charity. Your basis is $6,300. After its 7-to-1 split, let’s say the shares are worth $120. So, the value of your shares is 100 x 7 x $120 = $84,000. Your charitable deduction is $84,000, the fair market value on the
date of donation of the stock. Moreover, you don’t have to pay capital
gains tax on the $77,700 capital gain. Since charitable organizations are
tax-exempt, the charity doesn’t have to pay capital gains taxes either.
【 在 lightroom (吃一条鱼，思考一个问题，法号三丰) 的大作中提到: 】
: 可以开一个charity account. 把翻了几翻到的一些股票放进去，不要交税。小孩从小
: 上private 或者 charters school每年都要捐款几千块。
: ：刚发现还有这样的合法避税策略。
: ：如果送给一个non-resident alian就可以避税？夫妻可以送60k给父母，每年省18k的税
Mark.......
60k怎么算出来的，不是28k么？
今年limit是15k每人
夫妻赠与另一对夫妻是 15k*4=60k. 送给两方父母就是120k
https://blog.taxact.com/ways-avoid-gift-tax/#:~:text=You%20can%20give%20an%
20additional,14%2C000%20X%204%20%3D%20%2456%2C000).
Being married is an easy way to double your giving power as both you and
your spouse are entitled to the annual exclusion amount on a gift. As long
as the gift is given from joint property, the IRS considers the gift to be
half from each. Therefore, you and your spouse can give $28,000 total.
The same rule applies when you give to someone who is married. You can give an additional gift of up to $14,000 to the recipient’s spouse, making the
annual limit from one couple to another couple $56,000 ($14,000 X 4 = $56,
000).
【 在 rebo (w-k) 的大作中提到: 】
: 60k怎么算出来的，不是28k么？
如何给国内的人开美国的broker账户？
给国内的人开美国的broker账户并不难 盈透(Interactive Brokers) 嘉信 （Charles Schwab）都可以
只是怎么开户最方便，最容易转share，最容易使用 值得研究
大家可以交流下
目前我发现
Charles Schwab的debit card好像能国内用
fidelity的debit card肯定可以国内用，但是开户难度未知
【 在 glowinglake (湖清霞远) 的大作中提到: 】
: 如何给国内的人开美国的broker账户？
如果是合法的，怕什么？
【 在 chasecode (chasecode) 的大作中提到: 】
: 短期内送还太明显了 估计会被IRS盯上
: 但是如果本来就要给父母汇钱的，送股票不就把税免了？
赠送是合法的
但是短期内转来转去 我不觉得IRS会认定赠与
被audit了麻烦不说，真上庭的话，法官或以前的判例估计也会很不利。
【 在 kanke (回家) 的大作中提到: 】
: 如果是合法的，怕什么？
转回去可以，但应该没法转回来。所以想回国的话可以考虑
Fidelity broker需要SSN
Charles Schwab 国内可以开户，但没有SSN不能开debit card
【 在 chasecode (chasecode) 的大作中提到: 】
: 给国内的人开美国的broker账户并不难 盈透(Interactive Brokers) 嘉信 （
Charles
: Schwab）都可以
: 只是怎么开户最方便，最容易转share，最容易使用 值得研究
: 大家可以交流下
: 目前我发现
: Charles Schwab的debit card好像能国内用
: fidelity的debit card肯定可以国内用，但是开户难度未知