topic Can I make a charitable donation of stock from my ROTH IRA at my cost basis? in Deductions & credits

Can I make a charitable donation of stock from my ROTH IRA at my cost basis?

JulietteMount — Tue, 10 Mar 2026 07:16:55 GMT

Can I make a charitable donation of stock from my ROTH IRA at my cost basis?

Re: Can I make a charitable donation of stock from my ROTH IRA at my cost basis?

Anonymous_ — Thu, 22 Dec 2022 21:09:23 GMT

@dmertz

Re: Can I make a charitable donation of stock from my ROTH IRA at my cost basis?

dmertz — Thu, 22 Dec 2022 23:40:17 GMT

What do you mean by "at my cost basis?" Investments within a Roth IRA don't have a capital cost basis.

There is no taxable difference between making an in-kind distribution directly from the Roth IRA to a qualified charity and instead selling the shares within the Roth IRA followed by making a cash distribution from the Roth IRA paid directly to the charity.