{"id":3355,"date":"2024-12-31T19:40:41","date_gmt":"2024-12-31T19:40:41","guid":{"rendered":"https:\/\/migrantbusinessinmexico.ideasnet.org\/donaciones-qcd\/"},"modified":"2026-04-28T01:56:45","modified_gmt":"2026-04-28T01:56:45","slug":"donaciones-qcd","status":"publish","type":"page","link":"https:\/\/migrantbusinessinmexico.ideasnet.org\/es\/donaciones-qcd\/","title":{"rendered":"Donaciones QCD"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Donaciones QCD<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Al donar directamente desde tu cuenta IRA, puedes reducir tu carga fiscal al tiempo que marcas la diferencia en la educaci\u00f3n financiera, la mitigaci\u00f3n de la pobreza y mucho m\u00e1s.<\/p>

Considera un QCD:<\/strong><\/p>

  • Si tienes m\u00e1s de 73 a\u00f1os.<\/li>
  • Quieres reducir tu base imponible y satisfacer tu Distribuci\u00f3n M\u00ednima Obligatoria (RMD).<\/li>
  • Prefieres una forma sencilla y fiscalmente eficiente de donar.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    \u00bfPor qu\u00e9 elegir un QCD para apoyar IDEAS?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Tu QCD puede tener un gran impacto apoyando:<\/span><\/p>\n

      \n
    • Alfabetizaci\u00f3n financiera:<\/b> Capacitar a las personas para gestionar sus recursos de forma eficaz. <\/span> <\/li>\n
    • Mejorar el acceso a los recursos cr\u00edticos:<\/b> Proporcionar a las comunidades herramientas como conocimientos financieros, apoyo t\u00e9cnico para acceder a pr\u00e9stamos y ahorros. <\/span> <\/li>\n
    • Financiar microempresas de emigrantes y retornados: <\/b>Ayudar a los empresarios a poner en marcha y hacer crecer negocios que mantengan a sus familias y las econom\u00edas locales.<\/span><\/li>\n
    • Aliviar la pobreza:<\/b> Impulsar el cambio sist\u00e9mico con programas dise\u00f1ados para sacar a las familias de la pobreza.<\/span><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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      \u00bfPor qu\u00e9 donar mediante una Distribuci\u00f3n Ben\u00e9fica Cualificada (QCD)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Una Distribuci\u00f3n Ben\u00e9fica Cualificada (QCD) es una forma fiscalmente inteligente de donar directamente desde tu cuenta IRA a organizaciones ben\u00e9ficas como IDEAS. He aqu\u00ed por qu\u00e9 puede ser la opci\u00f3n m\u00e1s inteligente: <\/span><\/p>\n

        \n
      • Reduce tu renta imponible:<\/b> Evita pagar impuestos sobre las retiradas de la cuenta IRA donando directamente, lo que reduce tu renta imponible.<\/span><\/li>\n
      • Satisfacer tu Distribuci\u00f3n M\u00ednima Obligatoria (RMD): <\/b>Si tienes 73 a\u00f1os o m\u00e1s, una QCD cuenta para tu RMD sin a\u00f1adirse a tu renta imponible.<\/span><\/li>\n
      • Donaci\u00f3n libre de impuestos:<\/b> Consigue un mayor impacto ya que tu donaci\u00f3n no se ve reducida por los impuestos, garantizando que cada d\u00f3lar se destina directamente a apoyar a IDEAS.<\/span><\/li>\n
      • Simplifica tus donaciones: <\/b>Las transferencias directas desde el custodio de tu cuenta IRA facilitan el proceso, sin necesidad de gestionar deducciones ni vender activos.<\/span><\/li>\n
      • Apoya las causas que te importan:<\/b> Tu QCD financia el trabajo de IDEAS en educaci\u00f3n financiera, mitigaci\u00f3n de la pobreza y desarrollo sostenible, creando un cambio duradero en las comunidades desfavorecidas.<\/span><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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        \u00bfC\u00f3mo hacer un QCD a IDEAS?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        Ponte en contacto con el depositario de tu cuenta IRA: <\/b>Informa a tu custodio de tu intenci\u00f3n de hacer un QCD. Facil\u00edtales el nombre, la direcci\u00f3n y el n\u00famero de identificaci\u00f3n fiscal (EIN) de IDEAS. Env\u00eda un correo electr\u00f3nico a donations@ideasnet.org<\/em> para obtener nuestro n\u00famero de identificaci\u00f3n fiscal:<\/span><\/p>\n

          \n
        • Especifica la cantidad:<\/b> Decide cu\u00e1nto quieres aportar (hasta 100.000 $ al a\u00f1o).<\/span><\/li>\n
        • Obtener informaci\u00f3n de IDEAS: <\/strong>Facilita a tu custodio de la cuenta IRA nuestro n\u00famero de identificaci\u00f3n fiscal y el n\u00famero de nuestra cuenta en Schwab: Env\u00eda un correo electr\u00f3nico a donations@ideasnet.org<\/em> para obtener nuestro n\u00famero de identificaci\u00f3n fiscal. <\/span><\/li>\n
        • Direcci\u00f3n postal de IDEAS:<\/strong> 1702 Dancing Fox Road, Decatur, GA 30032 EE.UU.<\/span><\/li>\n
        • Solicitar confirmaci\u00f3n:<\/strong> Aseg\u00farate de que tu depositario env\u00eda los fondos directamente a IDEAS y solicita confirmaci\u00f3n de la transferencia.<\/span><\/li>\n
        • Notifica a IDEAS:<\/strong> Inf\u00f3rmanos de tu donativo para que podamos garantizar un reconocimiento y asignar tu ayuda de forma eficaz.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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          Requisitos del IRS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Edad requerida <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          Los donantes deben tener al menos 70\u00bd a\u00f1os en el momento de la distribuci\u00f3n.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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          L\u00edmite anual <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          Hasta 100.000 $ por individuo y a\u00f1o (200.000 $ para parejas, si cada c\u00f3nyuge cumple los requisitos).<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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          Cuentas elegibles <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          S\u00f3lo son elegibles las cuentas IRA tradicionales y las IRA heredadas. Los dem\u00e1s tipos de cuentas deben transferirse primero a una cuenta IRA. <\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

          \n\t\t\t\t\n\t\t\t\t\t
          Transferencias directas <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          Para que se considere una QCD, la donaci\u00f3n debe ir directamente del custodio de la cuenta IRA a la organizaci\u00f3n ben\u00e9fica.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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          Organizaciones ben\u00e9ficas cualificadas <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          S\u00f3lo las organizaciones 501(c)(3) pueden recibir QCD. IDEAS est\u00e1 plenamente cualificada. <\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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          Sin beneficio personal <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          El QCD no puede utilizarse para comprar entradas para eventos, afiliaciones o cualquier otro art\u00edculo que proporcione un beneficio al donante.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

          Donaciones QCD Al donar directamente desde tu cuenta IRA, puedes reducir tu carga fiscal al tiempo que marcas la diferencia […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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