The Giving Account

Recommend how contributions are invested

You advise how contributions to the Fidelity Charitable Gift Fund are invested to provide the potential for the assets to grow, which may ultimately result in additional dollars for charitable grants.

The Gift Fund provides three approaches to match your charitable giving objectives:

For more details, select an option below:

Speak with a representative:1-800-262-6039

Set Up a Giving Account



Find out more

Download Quarterly Pool Performance Summary (PDF)

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Each pool is comprised of a combination of the Individual Investment Pools. Find the pool that best matches your giving goals:2

Graph Pool Legend Legacy Giving® Pool3
70% equities, 25% fixed income, and 5% cash and short-term investments.		 Lifetime Giving® Pool
50% equities, 40% fixed income, and 10% cash and short-term investments.		 Preservation Giving® Pool
50% equities, 20% fixed income, and 30% cash and short-term investments.
Seeks to provide an asset allocation strategy for donors who: Expect to have a Giving Account for a period greater than 10 years and/or intend to name Giving Account successors. Plan to recommend granting the balance of the Giving Account within 5 to 10 years. Prefer a conservative allocation and plan to recommend granting the balance of the Giving Account within 2 to 5 years.
Composed of: All-Cap Equity, International, Interest-Income II, and Money Market Pools, some of which may contain both Fidelity and non-Fidelity mutual funds. All-Cap Equity, International, Interest-Income II, and Money Market Pools, some of which may contain both Fidelity and non-Fidelity mutual funds. All-Cap Equity, Equity-Income, Interest-Income II, and Money Market Pools, some of which may contain both Fidelity and non-Fidelity mutual funds.
Targets a blend of: 70% equity, 25% fixed income, and 5% money-market pools. 50% equity, 40% fixed income, and 10% money market pools. 20% equity, 50% fixed income, and 30% money market pools.

1 Generally, among asset classes, stocks are more volatile than bonds or short-term instruments. In general, the bond market is volatile, bond prices rise when interest rates fall, and vice versa. This effect is usually pronounced for longer-term securities. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Foreign investments involve greater risk than U.S. investments, as they depend upon currency values, political and regulatory environments, and overall market and economic factors of other countries. Money market investment yields can fall sharply in a relatively short period of time. Short-term yields have been much more volatile than long-term rates over time. Returns may not keep up with inflation, leading to purchasing power erosion for the investor.

2 The underlying mutual funds of these investment pools are subject to varying fees and expenses, which may change, and which affect the daily net asset values of the mutual funds within the pools. These funds may pay all or a portion of these fees and expenses (not in addition to that fund's fees and expenses reflected in its NAV) to Fidelity Management & Research Company and its affiliates for services and expenses relating to fund management, administration, distribution or other expenses. Additional information regarding the underlying mutual funds, including fees and expenses, is available in each underlying fund's prospectus.

3 This pool has an allocation strategy consistent with many foundations that make annual grants of roughly 5% of assets, yet seek to preserve inflation-adjusted capital in the future for continued giving.

Individual Investment Pools offer a range of investment objectives, from capital preservation to growth:

Blended Pools: A blended mix of Fidelity and non-Fidelity mutual funds

International Pool

Seeks long-term capital growth.
  • Invests primarily in broadly diversified funds whose portfolios consist of common stocks from around the world with an emphasis on developed markets.
  • Selects from a universe of both Fidelity and non-Fidelity mutual funds.
  • Has potential for significant capital appreciation and also for significant risk.
  • The International Pool has the highest risk of the Gift Fund pools and the highest potential for appreciation or depreciation.

All-Cap Equity Pool

Seeks long-term capital appreciation by investing primarily in actively managed mutual funds whose portfolios consist primarily of U.S. common stocks.
  • Selects from a universe of both Fidelity and non-Fidelity mutual funds that invest in a broad range of market capitalization stocks covering large, mid and small cap stocks.
  • Invests primarily in U.S. mutual funds that hold either "growth" or "value" stocks or both.

Interest-Income II Pool

Seeks a competitive level of income commensurate with current bond market conditions.
  • Invests primarily in a range of fixed income funds, including those that focus on government bonds, high-quality corporate and agency bonds, high-yield securities, and other market sectors.
  • Selects from a universe of both Fidelity and non-Fidelity mutual funds.
  • Offers less risk than stock funds, with the potential for reasonable income and modest capital appreciation.

All Fidelity Pools: Fidelity mutual funds only

Growth Pool

Seeks long-term capital appreciation.
  • Invests in Fidelity mutual funds that primarily seek growth-style stocks, many of which grow faster than the market and trade at higher valuation multiples.
  • Maintains exposure to core-style funds, which combine both growth and value attributes.
  • An aggressive equity investment for those donors seeking to build capital over the long term, with minimal current income.

Equity-Income Pool

Seeks reasonable total return from both capital appreciation and current income.
  • Invests primarily in Fidelity funds that own U.S. value-style stocks, many of which trade at lower valuations and/or pay a relatively higher level of dividends than the stock market as a whole.
  • Maintains exposure to "core" style funds which combine both growth and value attributes to enhance portfolio diversification.
  • May have less volatility than the Growth Pool over the long term.

Interest-Income Pool

Seeks a competitive level of income commensurate with current bond market conditions.
  • Invests primarily in a range of fixed income funds, including those that focus on government bonds, high-quality corporate and agency bonds, high-yield securities, and other market sectors.
  • Offers less risk than stock funds, with the potential for reasonable income and modest capital appreciation.

Money Market Pool

Seeks to earn income at current money market rates while preserving capital.
  • Invests in Fidelity money market mutual funds that are managed to keep their share prices stable and consist of high-quality and liquid money market instruments.
  • Has the lowest risk and return potential of the Gift Fund pools.
  • May be attractive to donors planning to recommend grants for the balance of their Giving Account within two years.

Index Pools: Fidelity mutual funds only

International Index Pool

Seeks long-term capital growth.
  • Wholly invested in Fidelity's Spartan® International Index Fund, which in turn normally invests at least 80% of its assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index, which represents the performance of foreign stock markets.
  • As an equity index tracking pool with no active management, the International Index Pool will have the risks associated with the underlying securities included in the index and will fluctuate in response to the activities of individual companies and general market and economic conditions.

Total Market Index Pool

Seeks long-term capital appreciation.
  • Wholly invested in Fidelity's Spartan® Total Market Index Fund, which in turn normally invests at least 80% of its assets in common stocks included in the Dow Jones Wilshire 5000 Composite Index.
  • As an equity index tracking pool with no active management, the Total Market Index Pool will have the risks associated with the underlying securities included in the index and will fluctuate in response to the activities of individual companies and general market and economic conditions.

500 Index Pool

Seeks long-term capital appreciation.
  • Wholly invested in Fidelity's Spartan® 500 Index Fund, which in turn normally invests at least 80% of its assets in common stocks included in the S&P 500 Index.
  • As an equity index tracking pool with no active management, the 500 Index Pool will have the risks associated with the underlying securities included in the index and will fluctuate in response to the activities of individual companies and general market and economic conditions.

The Charitable Investment Advisor Program offers you the option to nominate an independent investment advisor to manage a portion of the Giving Account balance.

How It Works

  • A donor with a Giving Account balance of $1 million or more is eligible to enroll in the program.
  • The Gift Fund qualifies and approves (subject to various criteria) the independent advisor to manage a portion of the Giving Account balance.
  • A minimum of 5% of the total Giving Account balance is required to remain invested in one or a combination of the Gift Fund's investment pools to enable the Gift Fund to efficiently fund grants without the delay caused by having to liquidate advisor-managed charitable balances.1

With this investment program, you can:

  • Benefit from customized investment management from a trusted advisor to help meet charitable goals.
  • Pursue potentially higher returns from charitable contributions, possibly generating more funds to support the causes you care about.

Contact Us

To learn more about the program, call us or have your advisor call us at 1-800-262-6039.

1The Gift Fund will direct the liquidation of advisor-managed charitable balances if a grant recommendation is made that cannot be funded with balances in the Gift Fund's investment pools.

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