Charitable donations made directly from a traditional IRA can save taxes. People 70½ and older can transfer up to $100,000 yearly from IRAs directly to charity. Qualified charitable distributions (QCDs) can count as required minimum distributions, but they are not taxable and they are not added to your adjusted gross income. Here’s a tip: The money must go directly to a charitable organization. Transfers to a donor-advised fund, charitable gift annuity, charitable remainder trust and any other life-income or split-interest gift arrangement aren’t treated as QCDs. A House bill would expand QCDs by hiking the $100,000 annual cap to $400,000 and allowing transfers of up to $100,000 a year to split-interest entities. The Senate has an identical bill. These proposals are worth keeping an eye on.