Have your investments grown over the past few years? Having highly appreciated positions in your personal investment accounts or IRA is great - until you are ready to sell or withdraw funds. Income taxes can consume a considerable amount of the value. If you are considering a gift this year, consider giving appreciated securities - stocks, bonds, mutual funds; or, if you are eligible, making a direct gift from your IRA. In many instances, it is the most effective way your money can work for you.