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Deferred Gift Annuities

You can delay the beginning of payments from your gift annuity. The deferral gives you both a higher income rate and a larger charitable deduction than you could receive from an annuity paying you immediately. Many donors set payments to begin at a future date when they or their spouse will need additional income.

The deferred gift annuity is especially attractive if you are still in high-income years, and are looking for both tax deductions and additional income during retirement.

Example

You donate $10,000 of appreciated stock, originally purchased for $2,500 to a single life Gift Annuity with quarterly payments that are deferred to age 65. Assume an IRS discount rate of 4.2%.

Annuitant Age	Age 40	Age 45	Age 50	Age 55
Immediate rate	4.3%	4.8%	5.1%	5.3%
Deferred rate	18%	14.3%	11.3%	9.0%
Annual payment	$1,800	$1,430	$1,130	$900
Charitable deduction	$3,838	$3,909	$3,973	$3,925

PLEASE NOTE: This example is for illustrative purposes only and is not intended as legal or tax advice. Consult your legal and tax advisors prior to making any material decisions based on this data.

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