How the Program Works
Investment Pools
Pre-Allocated Investment Pools
| Investment Pool | Allocation | Underlying Fund | Morningstar Rating | Annual Operating Expenses1 |
| Conservative Pool | ~70% Cash & Fixed Income ~30% Equity | Manning & Napier Pro-Blend Conservative Term S (EXDAX) | **** | 0.89% |
| Balanced Pool | ~45% Cash & Fixed Income ~55% Equity | Janus Balanced (JABAX) | **** | 0.83% |
| Socially Responsible Balanced Pool | ~40% Cash & Fixed Income ~60% Equity | Pax World Balanced Individual Investor (PAXWX) | *** | 0.95% |
| Growth Pool | ~20% Cash & Fixed Income ~80% Equity | American Century One Choice Aggressive (AOGIX) | **** | 1.01% |
Single Asset Class Investment Pools
| Investment Pool | Category | Underlying Fund | Morningstar Rating | Annual Operating Expenses1 |
| Money Market Pool | Cash Investments | Schwab U.S. Treasury Money Fund (SWUXX) | Not Available for Money Market Funds | Not Applicable |
| Short-Term Income Pool | Fixed Income | Principal Short-Term Income (PSHIX) | **** | 0.46% |
| Treasury Inflation Protected Securities (TIPS) Pool | Fixed Income | American Century Inflation Adjusted Bond Fund (ACITX) | **** | 0.48% |
| Income Pool | Fixed Income | PIMCO Total Return Bond Fund (PTTDX) | ***** | 0.75% |
| Large Cap Equity Managed Pool | Large Cap Equity | Parnassus Equity Income (PRBLX) | ***** | 0.94% |
| Total Market Equity Index Pool | Large Cap Equity | Schwab Total Stock Market Index (SWTSX)2 | **** | 0.09% |
| International Equity Managed Pool | International Equity | Aberdeen International Equity (GIGSX) | ***** | 1.22% |
| International Equity Index Pool | International Equity | Schwab Fundamental International Large Company Index Institutional Fund (SFNNX)2 | *** | 0.36% |
| Small Cap Equity Pool | Small Cap Equity | Schwab Small Cap Index Fund Shares (SWSSX)2 | *** | 0.17% |
Donors should carefully consider information contained in the prospectus for the registered underlying mutual funds, including investment objectives, risks, charges and expenses. You can request a prospectus by calling the Fund at (800) 746-6216. Please read the prospectus carefully before making contributions or recommending investment of funds.
1. This is a total of the underlying fund’s annual operating expenses, expressed as a percentage of its average net assets and does not include our administrative fee.
2. Nature of index funds (to track relevant market indices) do not typically lend themselves to more than 3 star Morningstar ratings.
Market fluctuations may cause the value of investment funds shares held in a charitable account to be worth more or less than the value of the original contribution to the funds. Funds may focus on certain sectors that may involve a greater degree of risk than other funds, which provide broader diversification. Funds that invest in international stocks may be exposed to additional risks, including currency fluctuations, political volatility, foreign taxes and foreign regulators and the potential for illiquid markets. Historically, small-cap stocks have been more volatile than stocks of larger, more established companies. TIPS generally have lower yields than conventional fixed-rate bonds and will likely decline in price during periods of deflation, which could result in losses. Socially screened funds exclude certain investments and therefore may not be able to take advantage of the same opportunities or market trends as funds that do not use social screens. Short-term bonds normally have lower yields than longer-term bonds and are more susceptible to reinvestment risk.
Morningstar proprietary ratings reflect historical risk-adjusted performance as of 6/30/2012. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating is a weighted average of the funds' three-, five-, and 10-year (if applicable) Morningstar rating metrics.
Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert " under the Securities Act of 1933. With respect to Schwab Funds, Charles Schwab Investment Management, Inc. provides the following data: total net assets, actual and average annual total returns, after-tax returns, annualized quarter-end performance, top ten holdings, portfolio breakdowns, expense ratios, and, for Schwab bond funds, credit ratings, average maturity, 30-day SEC yield, and tax-equivalent yield.
Prospectuses for the registered mutual funds underlying the investment pools are available from the Fund upon request. Please read them carefully before selecting an investment pool to recommend. The highlighted performance for the pools and the underlying funds represent a relatively short time period. Past performance is no guarantee of future results.
The pool returns are based on the total returns of the underlying mutual funds in each pool, minus the operating expenses of Schwab Charitable Fund. Principal value and investment return will fluctuate with changes in market conditions, and an account in the pool may be worth more or less than the original amount contributed to the account. During the period, the pools' holdings may have deviated from their target allocations, because of changing market conditions. The portfolio managers rebalance the pools' holdings as needed to limit significant variances.
Schwab Charitable Fund is an independent nonprofit organization. Schwab Charitable Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation (Charles Schwab & Co., Inc. and Charles Schwab Investment Management, Inc.) to perform administrative, record keeping, and investment management services. Charles Schwab & Co., Inc. is a member SIPC.
1. This is a total of the underlying fund’s annual operating expenses, expressed as a percentage of its average net assets and does not include our administrative fee.
2. Nature of index funds (to track relevant market indices) do not typically lend themselves to more than 3 star Morningstar ratings.
Market fluctuations may cause the value of investment funds shares held in a charitable account to be worth more or less than the value of the original contribution to the funds. Funds may focus on certain sectors that may involve a greater degree of risk than other funds, which provide broader diversification. Funds that invest in international stocks may be exposed to additional risks, including currency fluctuations, political volatility, foreign taxes and foreign regulators and the potential for illiquid markets. Historically, small-cap stocks have been more volatile than stocks of larger, more established companies. TIPS generally have lower yields than conventional fixed-rate bonds and will likely decline in price during periods of deflation, which could result in losses. Socially screened funds exclude certain investments and therefore may not be able to take advantage of the same opportunities or market trends as funds that do not use social screens. Short-term bonds normally have lower yields than longer-term bonds and are more susceptible to reinvestment risk.
Morningstar proprietary ratings reflect historical risk-adjusted performance as of 6/30/2012. For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund's monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. (Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The top 10% of the funds in an investment category receive 5 stars, 22.5% receive 4 stars, 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating is a weighted average of the funds' three-, five-, and 10-year (if applicable) Morningstar rating metrics.
Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert " under the Securities Act of 1933. With respect to Schwab Funds, Charles Schwab Investment Management, Inc. provides the following data: total net assets, actual and average annual total returns, after-tax returns, annualized quarter-end performance, top ten holdings, portfolio breakdowns, expense ratios, and, for Schwab bond funds, credit ratings, average maturity, 30-day SEC yield, and tax-equivalent yield.
Prospectuses for the registered mutual funds underlying the investment pools are available from the Fund upon request. Please read them carefully before selecting an investment pool to recommend. The highlighted performance for the pools and the underlying funds represent a relatively short time period. Past performance is no guarantee of future results.
The pool returns are based on the total returns of the underlying mutual funds in each pool, minus the operating expenses of Schwab Charitable Fund. Principal value and investment return will fluctuate with changes in market conditions, and an account in the pool may be worth more or less than the original amount contributed to the account. During the period, the pools' holdings may have deviated from their target allocations, because of changing market conditions. The portfolio managers rebalance the pools' holdings as needed to limit significant variances.
Schwab Charitable Fund is an independent nonprofit organization. Schwab Charitable Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation (Charles Schwab & Co., Inc. and Charles Schwab Investment Management, Inc.) to perform administrative, record keeping, and investment management services. Charles Schwab & Co., Inc. is a member SIPC.
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