Charitable Gift Annuity (CGA): Increase charitable impact and lifetime income

This resource introduces the CGA as a way to combine giving with guaranteed lifetime income. A donor makes a gift, part of it is typically tax-deductible, and receives fixed annual payments for life in return.

It’s built for givers who want both a charitable outcome and dependable income.

• Dependable fixed payments each year, for the donor or someone they designate
• Support for approved charities in NCF’s database
• Favorable tax treatment on a portion of the gift
• A minimum $25,000 gift of cash, appreciated assets, or a qualified IRA distribution

Payout rates rise with age, from 4.6% at 50 to over 10% at 90 and beyond, and are higher when payments are deferred. NCF also notes it often grants part of the gift to the donor’s chosen charity soon after the CGA is funded, rather than waiting until the annuitant’s death.