text:  But after tax money, after tax money, you could take, like, say you got a mutual fund that you've owned for 10, 15 years, and it's appreciated significantly. You could take a hunk of that stock or mutual fund. You could give it to them in their own name. You don't pay taxes on it when it's transferred to them. And then if they ever sell it, they would pay the taxes at their tax rate, not your tax rate. And that could be very beneficial to them.