Learn about the fees and policies of a Charitable Gift Account

 
  

Investment Choices

 

  • The assets in your Charitable Gift Account can be invested and have the potential to grow over time — tax-free — to support more generous giving. You can recommend investing the assets among the investment pools listed below. Or, if your account is greater than $250,000, you can select the Charitable Asset Management feature. This allows an independent investment advisor to actively manage a customized investment portfolio for your account and to invest among a broad variety of securities, including individual stocks, bonds, and mutual funds.

Individual Investment Pools: (for donors who want to recommend a custom investment strategy by combining pools with specific objectives)

Asset Allocation Pools: (for donors who want to recommend a diversified investment strategy with one investment choice)

Individual Investment Pools

 
Money Market Pool
This pool should be considered by donors who are most concerned with safety and stability.
Underlying investment:
Schwab Value Advantage Money Fund Institutional Prime Shares®

Income Pool
This pool seeks current income and relative stability of principal. The pool invests primarily in intermediate-term investment grade bonds with 3-6 year durations.
Underlying investment:
PIMCO Total Return Bond Fund (PTTDX)
View a Research Report on the underlying investment (PDF)

Treasury Inflation Protected Securities Pool
This pool seeks to provide both total return and inflation protection by investing primarily in inflation-indexed securities issued by the U.S. Treasury and has no average maturity limitations.
Underlying investment:
American Century Inflation Adjusted Bond Fund (ACITX)
View a Research Report on the underlying investment (PDF)

Large Cap Equity Index Pool
This pool seeks long-term growth by investing in domestic large-cap stocks that track the performance of the S&P 500 Index (the largest 500 publicly-traded companies in the U.S.).
Underlying investment:
Schwab  S&P Index 500 Fund Select Shares ® (SWPPX)
View the investment pool's performance (PDF)
View a Research Report on the underlying investment (PDF)

Large Cap Equity Managed Pool
This pool seeks long-term growth with current income provided by dividend-producing stocks. It invests primarily in domestic large-cap stocks and employs the Schwab Equity Ratings ®1 system for stock selection.
Underlying investment:
Schwab Dividend Equity Fund™, Select Shares® (SWDSX)
View the investment pool's performance (PDF)
View a Research Report on the underlying investment (PDF)

Socially Responsible Pool
This pool seeks both current income and long-term growth by investing in large-cap companies that adhere to socially responsible and financial criteria.
Underlying investment:
Parnassus Equity Income (PRBLX)
View a Research Report on the underlying investment (PDF)

Small Cap Equity Pool
This pool seeks to provide exposure to small capital­ization U.S. stocks by tracking the performance of the Schwab Small-Cap Index. This index represents the stocks of the second-largest 1,000 publicly-traded companies in the United States.
Underlying investment: Schwab Small Cap Index Fund® Select Shares® (SWSSX)
View a Research Report on the underlying investment (PDF)

International Equity Index Pool2
This pool seeks long-term growth by investing in large-cap stocks that track the performance of the FTSE RAFI3 Developed ex US 1000 Index (the largest 1000 listed companies incorporated outside of the U.S. ranked by fundamental value).
Underlying investment:

Schwab Fundamental International Large Company Index Institutional (SFNNX)
View the investment pool's performance (PDF)
View a Research Report on the underlying investment (PDF)

International Equity Managed Pool 2
This pool seeks maximum long-term growth. The pool achieves its objective primarily by investing in the common stocks of companies from around the world and may invest in both developed and emerging markets. Donors who understand the risks of international investing who are seeking diversification beyond domestic investments may wish to consider this pool.
Underlying investment:

Manning & Napier World Opportunities A (EXWAX)
View a Research Report on the underlying investment (PDF)

Asset Allocation

 
Conservative Pool
This pool seeks to protect capital while also generating income through a conservative mix of approximately 80% bonds & cash investments and 20% stocks.
Underlying investment:

Manning & Napier Pro-Blend Conservative Term S (EXDAX)
View a Research Report on the underlying investment (PDF)

Balanced Pool
This pool seeks long-term capital growth while also seeking to preserve capital and generate current income through an actively allocated mix of approximately 50% bonds & cash investments and 50% stocks.
Underlying investment:

Janus Balanced (JABAX)
View a Research Report on the underlying investment (PDF)

Growth Pool
This pool seeks growth with less volatility than an all-stock portfolio through a target allocation of approximately 80% stocks and 20% bonds & cash investments.
Underlying investment:

Schwab MarketTrack Growth Portfolio™ Preferred Shares (SWPGX)
View the investment pool's performance (PDF)
View a Research Report on the underlying investment (PDF)


Charitable Asset Management
This feature is available for those Charitable Gift Accounts of $250,000 or more and allows a donor to nominate an independent investment advisor to actively manage a customized portfolio in a Charitable Gift Account. Assets may be invested among individual stocks, bonds, and mutual funds for tax-free potential growth.
Charitable Asset Management is available only through independent investment advisors working with Schwab Institutional®, a division of Charles Schwab & Co., Inc., or U.S. Trust, a subsidiary of The Charles Schwab Corporation and affiliate of Charles Schwab & Co., Inc. While donors may recommend an advisor, the Fund must approve the recommendation. Advisors must meet certain eligibility requirements and adhere to Fund fee and investment guidelines. You may request a copy of the Fund’s investment guidelines by calling us at (800) 746-6216.
Click here for more information on investment management and administrative fees associated with Charitable Asset Management.

1. Schwab Equity Ratings represent Schwab’s opinion on the expected relative performance of approximately 3,000 stocks of companies traded primarily on US exchanges.

2. Due to risk, the Fund discourages the use of these pools for a total of more than 25% of any Charitable Gift Account balance.

3. Schwab is a registered trademark of Charles Schwab & Co., Inc. Fundamental Index, Fundamental International, and RAFI are trademarks of Research Affiliates, LLC. FTSE is a trademark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited under license. Schwab Fundamental Index Funds are not sponsored, endorsed, sold or promoted by FTSE or RA, and FTSE and RA do not make any representation regarding the advisability of investing in shares of the fund.

  
 

Download Quarterly Performance Report (PDF)

2009 Market Review Commentary (PDF)