Tax Playbook · Giving, strategically
Charitable gift annuities
You give cash or stock to a charity, and it pays you a fixed amount every year for life (or for two lives). You get a partial tax deduction up front, and part of each payment can come back tax-free for a while. The rate is locked in when you sign and won't grow with inflation, and you can never get the gift back. A $100,000 gift at a hypothetical 6% rate pays $6,000 a year; older donors get higher rates.
Good for: Anyone who wants lifetime payments plus a charitable tax deduction.
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Recent articles & guides
- PlannedGiving.com: master this planned gift — charitable gift annuity
- Southwestern Medical Foundation: charitable gift annuity rates increase
- Stelter: high gift annuity rates to remain in place
- National Christian Foundation: what is a charitable gift annuity?
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.