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Benefits of the Giving Account

How it works

1Make your
donation to us

Donate cash, stocks, real estate or non-publicly traded assets to your Giving Account and get your tax receipt.

How much of a tax deduction will I get? How can I maximize it?

When you donate to your Giving Account you can take the same tax deductions as donating to any public charity.

  • If you donate cash, via check, wire transfer or credit card,* you're generally eligible for an income tax deduction up to 50% of your adjusted gross income (AGI).
  • However, if you have long-term appreciated assets, such as stocks, bonds or real estate, you have an opportunity to further maximize your deduction. By donating these types of assets directly to charity, you generally won't have to pay capital gains and you can take an income tax deduction in the amount of the full fair-market value, up to 30% of your AGI.
Please note, you cannot use a credit card to donate to Fidelity Charitable.

Can I donate more than cash?

Yes. Unlike many smaller charities, Fidelity Charitable is well equipped to accept donations of all types of financial assets, including stocks, mutual funds, real estate and more.

Do I need to maintain a minimum balance?

No. Once you've set up your Giving Account with $5,000 or more, the entire balance can be granted out virtually any time you like. In the meantime, your Giving Account balance will be invested, so it has the potential to grow.

Are there any deadlines or timing restrictions?

If you’re planning a year-end donation, you should know that certain donations (such as real estate or restricted stock) take longer to process than simple cash donations. So in order for your donation to post in that calendar year, you’ll need to plan ahead.

Do I have to be a Fidelity Investments customer?

No. Anyone can have a Fidelity Charitable Giving Account. However, if you're a Fidelity Investments customer, it's especially easy to donate funds directly from your brokerage account.

2Support charities
you love, now
or over time

You can support any IRS-qualified public charity with the money you've put into your Giving Account.

Can I start giving to charities right away? How do I do it?

Yes. Once your Giving Account is funded, you can start supporting charities right away. It's easy to do online any time, or you can do it by phone, fax or mail.

We call it "recommending grants" because you've already made your tax-deductible donation to us.

Can I support any charity I want?

Yes. We make grants to any 501(c)(3) IRS-qualified public charity—that means everything from your alma mater to your local church. You can even support international causes.

I donate to the same charities every year. Can I set up automatic donations?

Yes. Setting up recurring grants is easy, and you can edit a recurring grant at any time.

3Grow your

While you're deciding which charities to support, your donation can grow based on how you tell us you would like it to be invested, so your Giving Account can potentially have even more money for charities.

How is my donation invested?

We invest your donation based on the investment options you choose.

How do I know which investments are right for my charitable goals?

You can choose from a wide range of investment options, so whatever your investing style, you can find an option that works. We even have options for socially responsible investments. You can also give your advisor access to your Giving Account to help you decide.

Can my Giving Account lose money?

Yes. Just like any investment, an invested donation depends on market performance. Keep in mind that any decreases will not affect your tax deduction, as you would have already made a deductible contribution to Fidelity Charitable.

Is there someone who can help me manage all this?

We have a variety of resources available to help guide your investment decision-making, and our charitable giving specialists are always there when you need them. Plus, if you're planning to donate $250,000 or more, you'll be eligible for our Charitable Investment Advisor Program, which lets you nominate your own financial advisor to manage your Giving Account's investments.

What it costs


initial donation

You can set up a Giving Account with as little as $5,000. You don’t have to maintain a minimum balance, and you can start supporting charities right away.

$100 or 0.6%*

administrative fee

This administrative fee is based on your Giving Account balance and covers our costs, like processing transactions and providing donor support. The more in your Giving Account, the lower the percentage.

* whichever is greater

0.07% to 1.23%

investment fees

These are the mutual fund fees based on how your donation is invested, just like any other account that has the potential to grow.

See what these fees could mean for you

Account balance

Administrative fee

Investment fee*

Total fees

Hypothetical investment growth**

(minimum initial donation)


















































*Based on investment in the Conservative Income pool for one year. While the investment fees will vary depending on how the Giving Account balance is allocated, the administrative fee is only based on the balance itself. View all investment options **Based on average annual one year return from the Conservative Income pool for July 31st, 2015. View all pool performance Please read this additional important information to see more average annual returns and learn more about this chart.
The fees in this chart are based on an average annual balance in your Giving Account for one year. If you recommend grants that reduce this amount, the balance in your Giving Account will be assessed accordingly. The administrative fee is assessed by Fidelity Charitable and covers our costs, whereas the investment fee is dependent on the underlying fund(s) in each pool. Additional average annual returns:

Conservative income

Average annual

1 year

3 years

5 years

10 years






Underlying fund:
Fidelity Asset Manager 20%





1 Pool created 07/01/2011, therefore historic performance is not available for earlier periods. Pool is 100% invested in the underlying mutual fund displayed beneath the pool. Pool results will include a Fidelity Charitable annual administrative fee as described in the Program Circular, and will therefore differ from the results of the underlying mutual fund.

Is a donor-advised fund right for me?

A donor-advised fund like the Giving Account is an easy, inexpensive way to be more strategic about your charitable giving. See for yourself.

Compare ways to give

What if I always donate via check?

While writing checks is still valuable in certain situations, contributing to a donor-advised fund lets you take your time researching charities, and donate a variety of assets—not just cash.

What if I have a private foundation?

Private foundations and donor-advised funds each have unique advantages. However, they can also be used together to maximize your giving.

Do more with your Giving Account

Why Fidelity Charitable?

Join over 100,000 donors who choose Fidelity Charitable to make their giving simple and more effective.


Since 1991, we have been a leader in charitable planning and giving solutions, helping donors like you support their favorite charities in smart ways.

The growth potential of donor contributions is even more impressive. Thanks to Fidelity Charitable investment programs, an additional $3.6 billion has been made available for charitable giving. That’s a distinction matched by few organizations in the U.S.

Low minimums
& fees

Unlike a private foundation, there are no hefty legal fees or complicated administrative tasks associated with a donor-advised fund. You can set it up easily in just a few steps, and you can manage it yourself, or with your financial advisor. It’s one of the most affordable, flexible ways to give.

See minimums and fees

Expert support
& service

From world-class service to expertise in handling donations of non-publicly traded assets, we have your charitable needs covered.

Our service team is always happy to answer questions and connect you to resources that can help you achieve your charitable giving goals. You can also tap into our team of lawyers and experts for guidance on how to donate seemingly illiquid assets like private company stock, restricted stock, real estate and more.


With a Giving Account, book keeping has never been easier. You can view your Giving Account history and statements online at any time. You can even keep track of donations you’ve made outside Fidelity Charitable, so all your giving is organized in one place.

Plus, our mobile capability makes sure you’re always connected to the causes you care about. It even lets you recommend grants to charities on the go. It’s all part of our approach to simple, more effective giving.


years in service




charities supported

Ready to get started?

Establishing your Giving Account is easy and only takes 5 minutes

All you need is your social security number and, when you're ready, a $5,000 minimum donation.

Set up a Giving Account

Or call us at 1-800-262-6039

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