Of all the gifts that pay you back with a life income, the charitable gift annuity may be the simplest and most affordable. Unlike a trust, you contribute your gift directly to InterVarsity, and we agree to pay you a fixed life income. There are several benefits:

Simplicity:
A charitable gift annuity is easy to create. The agreement is two pages in length, and we can tell you exactly how much annual income you will receive in exchange for your gift.

Modest Minimum Gift:
A charitable gift annuity with InterVarsity may be funded with $10,000 or more. Our gift annuities bring the benefits of a life income gift into reach for many donors.

Fixed Income for Life:
Your income is set when you establish a gift annuity. If your income is to be 7% of a $20,000 gift, you will receive $1,400 every year for the rest of your life. Income may be paid to one or two beneficiaries.

Security:
Your annual income is secured by all the assets of InterVarsity, not just by the principal amount of the gift. InterVarsity commits itself to make your income payments.

Lower Tax on Income:
Part of each income payment to you from the gift annuity will be treated as the tax-free return of principal. In addition, if you fund your gift annuity with appreciated securities, a further portion of your income will be taxed at capital gains rates (20%). These tax reductions increase the effective yield of the gift annuity, and they are not available with other types of life-income gifts.

(The IRS provides that these benefits are in effect during your life expectancy -- if you live longer, the entire gift annuity payment will be taxed to you as ordinary income.)

Deferred Gift Annuities

Donor Advised Funds

Charitable Remainder Unitrusts

Charitable Remainder Annuity Trusts

Charitable Lead Trusts

InterVarsity Christian Fellowship/USA^® does not offer legal or tax advice for your gift plans, but we do strive to provide helpful educational information and also strive to work carefully with you and your advisors to help you to accomplish your charitable goals.