Investment Pools

When opening a Giving Fund, you can choose from one of our investment pools that range from stable value with no risk of fluctuation in principal value, to very high risk with substantial exposure to market fluctuations. You can also change pools anytime when you log in to your Fund (on the "Fund settings" page).


 
 

Money Market
The Money Market pool is invested in various cash and money market investments and seeks preservation of capital by maintaining a stable $1 net asset value. This pool pays interest that is commensurate with that of institutional money market fund rates.

100% - Cash
 
 

Fixed Income  (formerly Bond)
The Fixed Income pool seeks income with very modest capital appreciation through an asset allocation to shorter duration investment grade fixed income investments and very slight exposure to inflation hedging and risk-reducing asset classes. This pool is intended for holding periods between 1 and 3 years.

12.5% - Flexible capital/inflation hedging
77.5% - Fixed income
10% - Cash
 
 

Moderate Income – 25% Equity  (formerly Conservative)
The Moderate Income pool asset allocation seeks to generate some capital appreciation through a more modest 25% allocation to domestic and international equities, and broader diversification across other asset classes such as fixed income, flexible capital and risk-reducing alternative asset classes. This pool is intended for holding periods of 3 years or longer.

25% - Equity
40% - Flexible capital/inflation hedging
30% - Fixed income
5% - Cash
 
 

Balanced Income – 35% Equity  (formerly Balanced)
The Balanced Income pool asset allocation seeks a less aggressive exposure to equity risk, with a leaning toward income producing and risk-reducing asset classes as well as a portfolio of holdings that is more diversified across asset classes. This pool is intended for holding periods of 5 years or longer.

35% - Equity
37.5% - Flexible capital/inflation hedging
22.5% - Fixed income
5% - Cash

 

 

Balanced Growth – 50% Equity  (formerly Growth)
The Balanced Growth pool has an asset allocation mix that is higher risk than the more conservative pool options, with a 50% allocation to domestic and international equities. This asset allocation seeks more diversification across asset classes and a balance of capital appreciation and income. It is intended for longer term holding periods of 7 years or longer.

50% - Equity
35% - Flexible capital/inflation hedging
10% - Fixed income
5% - Cash
 
 

Growth – 70% Equity
The Growth pool has the highest risk asset allocation mix of the pool options, with a 70% allocation to domestic and international equities. This aggressive allocation is less diversified across asset classes and has the heaviest weighting to equities. It is intended for long-term holding periods of greater than 7 years.

70% - Equity
15% - Flexible capital/inflation hedging
10% - Fixed income
5% - Cash

Investment reports

View the latest quarterly returns for NCF's Giving Fund investment pool options ... read more

ASSET ALLOCATION

At NCF, we take a measured approach to asset allocation for our givers that has developed over time in response to longer-term trends and themes we have identified – as opposed to reacting to shorter-term events. Learn more in the latest update from our investment advisor, Prime Buchholz.

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