US · charitywater.org

A Giving Strategy I Learned in Zimbabwe

Donating stock = more for clean water and less for taxes Donating stock = more for clean water and less for taxes


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Donating stock = more for clean water and less for taxes Donating stock = more for clean water and less for taxes
A young girl smiling as she drinks a glass of clean water.

Hi -,

 

Last year, I visited Zimbabwe with a small group of charity: water supporters to see the impact of clean water firsthand. One morning, riding in the back of an old Land Cruiser along the unpaved roads of rural Zimbabwe, the conversation turned to giving.

 

"We just donate stock directly to you guys. It's simple, and it ends up going further than writing a check."

 

It was a simple and profound statement that stuck with me. And that second part is worth unpacking.

 

It comes down to how the IRS treats the gift: by donating the shares directly to charity, you skip the capital gains tax entirely while still deducting the full value of the gift. The result? More of your gift brings people clean water, and less is lost to taxes.

 

For this couple, it was a thoughtful decision – a practical way to put more toward clean water by donating from assets they already owned, rather than from day-to-day income.

 

That kind of thinking comes up more around this time of year, when many people are reviewing finances and turning the page on tax season. And I've found that most supporters are surprised by how straightforward stock giving actually is.

 

If you've ever wondered whether donating stock could be a meaningful way to support clean water, click here to see how it works.

 

With gratitude, 

 

Kees (Case)

Associate Director of Key Relationships,

Legacy & Asset Giving

 

 

Someone getting clean water from a tap stand.

Benefits of Donating Stock Directly

vs. Selling and Donating Cash

Your portfolio might be your most powerful giving tool. If you hold stocks that have grown in value, there's a smarter way to give than writing a check.

 

Donating them directly to charity: water means more impact, less tax, and the comparison below makes it easy to see exactly how.

 

A table showing the types of non-cash asset gifts that can be done online.

You reduce your taxes by an extra $8,100 and charity: water receives an additional $6,000.

 

By donating the stock directly, you avoid paying the capital gains tax and can deduct the full market value of the stock, resulting in higher total tax savings.

 

"We've been supporting charity: water for years. At some point, we decided to start gifting stock. It allows us to skip the capital gains, still get the full deduction, and more of our gift reaches communities waiting for clean water. It has become our default way of giving."

– Prem Iyer and Shahzeen Karim

 

A woman smiling at the camera as she holds a glass of clean water.

More ways to learn

about non-cash giving

An icon of a downloadable giving guide.

Download our Smarter Giving Guide. Read stories from charity: water supporters who’ve used stock, crypto, retirement accounts, and donor-advised funds to bring clean water to communities — along with the tax benefits they experienced along the way. Get your copy today.

An icon of a laptop with a jerry can as the screensaver.

Visit our website. Learn more about popular tax-smart gifts at plannedgiving.charitywater.org.

 

230 Franklin Rd., Ste. 11-II, Franklin, TN 37064

 
 
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