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Level 1
posted Nov 16, 2022 12:47:09 PM

Inheriting securities

If I inherit securities , how is the cost basis determined?
Do I owe any federal taxes on the security?  Or do I pay the taxes ONLY when I sell the security?

For example: On 6/6/2022 I inherited 100 shares of TSLA.  If TSLA was trading at $75 on 6/6/2022, do I owe taxes on $7500 if I still hold the shares?  If I sell TSLA on 9/1/2022 at say $100 per share, do I owe taxes on $10,000 - 7500 or $2500 OR do I owe taxes on the full $10,000?

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1 Best answer
Expert Alumni
Nov 16, 2022 12:55:52 PM

Your tax is not owed until the year property is sold. Your cost/basis is the value on date of the decedent's  death. (Condolences), which per your message is $75 per share. So if sold by the end of 2022 for $100 per share, you would report a $25 gain on sale for each share sold. If not sold until 2023, it would be reported in 2023.

2 Replies
Expert Alumni
Nov 16, 2022 12:55:52 PM

Your tax is not owed until the year property is sold. Your cost/basis is the value on date of the decedent's  death. (Condolences), which per your message is $75 per share. So if sold by the end of 2022 for $100 per share, you would report a $25 gain on sale for each share sold. If not sold until 2023, it would be reported in 2023.

Level 1
Nov 16, 2022 2:02:29 PM

Thank You