One idea that maybe won’t work for you but might work for others is what’s called a box spread— four options trades that together result in effectively a loan against the market at close to treasury rates. I don’t think you can trade options against an IRA though, so you would need assets in a taxable account. You wouldn’t have to sell the assets in the taxable account, but you would need assets in a taxable account.
One thing I hadn't considered until I read the form 709 instructions is that while gifts to charity don't trigger filling out form 709, once you're required to fill-out form 709, you need to list all of your charitable contributions, which sounded like kind of a pain to me, so we've been keeping below the limit for that reason.
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One idea that maybe won’t work for you but might work for others is what’s called a box spread— four options trades that together result in effectively a loan against the market at close to treasury rates. I don’t think you can trade options against an IRA though, so you would need assets in a taxable account. You wouldn’t have to sell the assets in the taxable account, but you would need assets in a taxable account.
Post: Thinking of a possible reason to tap Roth earlier then planned
Link to comment from July 12, 2026
One thing I hadn't considered until I read the form 709 instructions is that while gifts to charity don't trigger filling out form 709, once you're required to fill-out form 709, you need to list all of your charitable contributions, which sounded like kind of a pain to me, so we've been keeping below the limit for that reason.
Post: Gifting Confusion
Link to comment from May 17, 2025