Invest your giving fund balance to grow your giving potential, tax-free.
When setting up your Charityvest fund, you can choose to invest your fund balance in a diversified, low-cost portfolio. Your funds will always be available to grant but may grow tax-free and expand your giving potential.
Investing setup screen.
After selecting Set up investing, you'll be asked to choose between the Core Portfolio and the ESG Portfolio. Both portfolios offer exposure across the same asset classes. The Core Portfolio tracks the underlying asset class indices directly, while the ESG Portfolio applies certain weights and filters that give you greater exposure to companies with leading Environmental, Social, and Governance practices.
Portfolio choices: Core and ESG
Next, you'll be asked about your portfolio duration. Specifically, we want to understand how long your charitable balance will remain invested. The longer it will remain invested, the more risk you are likely to be able to take without affecting your giving plans. We'll use this information to recommend a portfolio allocation based on your giving plans, which you'll select on the following screen.
Selecting a risk level. The recommended allocation is pre-selected.
If you decide to customize your portfolio, you'll be able to adjust the allocations of the individual ETFs that make up our portfolios, to a total of 100%. This step is entirely optional.
A 95% VTI, 5% VUSB custom allocation.
On the final page, you'll be asked to review your settings and start investing. Investing will then be active on your account and your balance will be invested during the next available trading window.
Success - you've activated investing on your Charityvest fund.
No. There are no hidden fees - just one simple fee assessed to your Charityvest balance every month. All trading is conducted commission-free and the portfolio ETFs offer some of the lowest expense ratios of any ETFs in the market.
Portfolios are rebalanced every time we conduct activity in your account - for instance, investing new contributions or selling positions to make a grant. If no activity occurred in the last 30 days, we'll rebalance once to keep your portfolio in line with your target allocation.
Yes. You can change your portfolio, modify your allocation, or stop investing at any time. Your balance will convert back to cash and your account will no longer be assessed the monthly investing charge.
You don’t have to do anything special to use your balance to support charities you care about. Simply recommend a grant and we’ll automatically liquidate the correct amount of money from your invested balance to fund your gift.
No. Using our invest feature will invest your full charitable balance. However, you can more heavily weight your portfolio’s exposure to ultra-short duration fixed income to more closely approximate holding a portion of your fund in cash.
Because your contributions are tax-deductible, gains and losses in your Charityvest balance do not affect tax deduction values. However, if the investments lose value, you will not be able to grant as much to charity as if you had not invested your balance.