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• A charitable deduction in the year the gift is made that is a percentage, usually 30% - 55%, of the gift amount. Most individuals have up to 5 additional years to utilize the tax deduction if they are unable to use all of it the first year.
• A rate of return that is generally much higher than those on money market and passbook savings accounts and, in most cases, the dividend payments on stock holdings.
• For a period of years, a percentage of the income received from the charitable gift annuity is tax-free (or a combination of tax-free and capital gains if the annuity is funded with appreciated assets).
• The income stream is guaranteed by The Carter Center for the lifetimes of the beneficiaries.

Example:

Irene and Bill, ages 73 and 76, establish a charitable gift annuity with $25,000 in cash. 

Annuity rate: 6.3%

Annual income: $1,575
(For almost 17 years, approximately $1,055 of that amount will be tax-free.) 

Charitable Deduction:  Approx. $7,100
(Deductions vary somewhat with the timing of the gift.) 

Would you like to see an example of this for yourself?  Click here to use our gift annuity calculator.

The Carter Center always recommends that individuals considering a gift annuity or any planned gift seek the advice of a qualified attorney or financial advisor. Gift annuities are an irrevocable commitment and may not be the best method of giving for all individuals.

To view an annuity rate chart for single-life annuities, please click here. For rates on two-life annuities, or to learn more about charitable gift annuities or other methods of giving to The Carter Center, please contact the Office of Gift Planning at (800) 550-3560, ext. 860, or send an e-mail to karen.price@emory.edu.