Stable Capital Pool: Tiered structure

The Stable Capital Pool (SCP) supports faithful stewardship of charitable assets intended for near-term granting, with an emphasis on preserving principal and providing daily liquidity. It keeps charitable resources at a consistent value while earning competitive, market-based payouts.

Interest income is paid out to funds based on a tiered structure, benchmarked to the effective federal funds rate as of the beginning of each month, and accrued based on the daily amount invested in the SCP. Payouts are calculated and processed at the beginning of the following month.

Ongoing fund activity throughout the month could result in a blended monthly payout rate. Here’s an example: If a Giving Fund maintains a balance greater than $350K for the first 23 days of the month, it earns the Tier 5 daily payout rate. But, if on the 24th of the month, an outgoing grant lowers the Giving Fund balance to between $250K - $350K, the remaining eight days of the month earn the Tier 4 daily payout rate, resulting in a blended payout rate of 3.03% for that month.

By providing principal protection, daily liquidity, and a market-based payout methodology, the Stable Capital Pool helps charitable assets earn interest income while preserving flexibility for near-term generosity.

NCF

We know you want to be a good steward of all God has entrusted to you. That’s why we come alongside you with shared biblical values, innovative charitable solutions, and highly personalized service so you can give more strategically and with greater purpose. Since 1982, generous givers at NCF have mobilized more than $25 billion for 100,000+ charities.

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