The Giving Account
Learn about our donor-advised fund
Research & Insights
Discover the latest trends and content on giving
Expert guidance on your giving strategy
What is a donor-advised fund and how does it work?
A donor-advised fund is like a charitable investment account, for the sole purpose of supporting charitable organizations you care about. When you contribute cash, securities or other assets to a donor-advised fund at a public charity, like Fidelity Charitable, you are generally eligible to take an immediate tax deduction.
Is there a minimum account balance I must maintain?
There is no minimum balance that is required for a Giving Account.
How do I open a Giving Account?
There are several ways to open a Giving Account:
For Organizational or Corporate Giving Accounts, please use the Organizational Giving Account Application.
Is there a fee associated with the Giving Account?
There are typically two types of fees for the Giving Account – an administrative fee and investment fees. To learn more about the fees and to see what they could mean for you visit the What it Costs page.
What should I read before setting up a Giving Account and making a charitable contribution?
Will my company match my gift that I recommend out of a Giving Account?
Check with your employer to ascertain its policy on making matching gifts to grants recommended from donor-advised funds.
Is Fidelity Charitable a nonprofit organization?
Fidelity Charitable is a tax-exempt nonprofit organization and public charity under Internal Revenue Code Section 501(c)(3).
Where do staff salaries come from?
The administrative fee charged to all Giving Accounts goes toward operating expenses, which include staff salaries.
Do you have any statistics that show whether Fidelity Charitable is increasing the level of philanthropy in the U.S.?
How do I make grant recommendations once my Giving Account is funded?
There are 3 options: You can recommend grants online when logged into your Giving Account, within our iOS app, or over the phone with a representative.
What is Fidelity Charitable’s Tax Identification Number?
Fidelity Charitable's federal Tax Identification Number is: 110303001.
Where can I find Fidelity Charitable’s Form 990 and governing documents?
Where should I send my forms to be processed?
We have a processing center for overnight mail and general mail.
Fidelity Charitable Gift Fund
100 Crosby Parkway
Covington, KY 41015-9325
General Mail Address:
Fidelity Charitable Gift Fund & PIF
PO Box 770001
Cincinnati, OH 45277-0053
I already have a will/estate plan. Why do I need a successor?
Your will or estate plan does not cover your Giving Account. We recommend that you name a successor to carry forward your charitable legacy.
I already have multiple Account Holders on my Giving Account. Why do I need a successor?
A successor assumes all Giving Account privileges after the death of the last account holder, providing you an opportunity to build a meaningful charitable legacy.
What happens if I have multiple successors on my Giving Account?
Your Giving Account balance will be split among your successors in the proportion you selected. Your individual successors can choose to carry on your charitable legacy as Account Holders or recommend grants equal to the allocated balance.
Is there a minimum grant amount?
The Trustees have set a minimum grant amount of $50 on grants to maintain cost-effectiveness and encourage charitable giving.
How do I list a Special Purpose?
A special purpose can be listed as you are entering your grant recommendation online. After selecting a charity, reference the grant detail boxes to the right of the charity information. Below the “Amount” field, the “Use” dropdown offers a set of standard grant uses, or you may enter your own by selecting “Create your own.”
Why do some grants take longer than others to process?
Grant recommendations typically take 2-10 business days to be processed and are subject to approval by the Trustees of Fidelity Charitable. The time and due diligence necessary to process a grant recommendation may vary based on the grantee or use of the grant. We may need to request additional information from the charity, and the responsiveness of the charity can affect processing times, so including a contact name and phone number for the charity when entering your grant recommendation could help accelerate this step. Selecting “Where It Is Needed Most” as the grant use can also help expedite the processing of the grant recommendation and gives charities the most flexibility to use the grant in the way that they see fit.
During peak activity periods, processing of grant recommendations may take longer than normal. You can track the status of your grant recommendations in your grant history, but please be aware that it may take up to 30 minutes for the grant to appear at the top of your history.
Please note: We are experiencing delays in charities receiving grant checks due to COVID-19 disruptions with the postal service and the inability of some nonprofits to retrieve checks . Learn more.
What does the grant review and due diligence process entail?
Under policies set by the Fidelity Charitable Board of Trustees, Fidelity Charitable conducts a robust review of each grant recommendation to ensure grants are made only to IRS-qualified public charities, that those public charities use those granted funds solely for proper charitable purposes, and that grants do not confer impermissible benefits on donors or on any other person. Fidelity Charitable reserves the right to perform additional due diligence and to decline to make a recommended grant to a charitable organization.
The IRS is the principal U.S. government agency responsible for determining which organizations are qualified public charities. If and when an organization loses its IRS-recognized public charity status, Fidelity Charitable immediately stops making grants to it and notifies the recommending donors. In addition, other state and federal agencies may review the activities of a charitable organization, which can also affect whether Fidelity Charitable makes grants to an organization. We encourage donors with concerns about the activities of any charitable organization to contact the IRS or state charity regulators.
Fidelity Charitable’s review of grants takes into consideration data from a variety of sources, ranging from IRS databases, public records regarding litigation and governmental proceedings, to many other sources of information, including, but not limited to, news reports and information provided by donors, grantees, and others. For example, Fidelity Charitable does not make grants if an organization may be engaged in illegal or non-charitable activity (such as terrorism, money laundering, hate crimes, or fraud), or if a grant may otherwise be used for improper purposes (such as personal benefit).
Fidelity Charitable is cause-neutral and supports grantmaking to a wide range of charitable organizations as recommended by its donors, does not limit grantmaking to specific charitable activities or fields of interest, to specific geographical or demographic criteria, or to specific organizations based on political, religious, or philosophical grounds.
Grants recommended by donors do not, in any way, reflect the views of, or represent an endorsement by, Fidelity Charitable, an independent public charity, the Fidelity Charitable Board of Trustees, or Fidelity Investments. By the same token, in declining to approve a grant recommendation to a specific organization, Fidelity Charitable is not making any form of statement about that organization or its activities. Declining to make a grant does not prevent the organization from speaking or challenging its status as a charitable organization, nor does it prevent the organization from seeking and receiving funds from other sources. It also does not prevent the recommending donor from making a contribution from other funds.
There are many charities to choose from, and sometimes donors can find it hard to know which to support. Fidelity Charitable provides guidance and resources to help donors evaluate charities and make more informed giving decisions.
The Fidelity Charitable Board of Trustees is committed to ensuring all grants are made for charitable purposes. As such, the Trustees regularly review the Fidelity Charitable grantmaking policies and procedures.
What is an IRS-qualified public charity?
There are different kinds of 501(c)(3) organizations: public charities and private foundations. Fidelity Charitable can generally only make grants to public charities, as well as private foundations with an IRS classification of “operating.” Fidelity Charitable cannot grant to certain supporting organizations or any private non-operating foundations. An IRS qualified public charity is a charitable organization that has successfully filed an exemption application with the IRS for its public charity status, or certain other organizations that the IRS considers to be “public charities” without filing, such as many religious organizations and educational institutions. Public charities include most organizations you might consider a charity, from national relief organizations to your alma mater to your local arts council.
Fidelity Charitable maintains a database of qualified charities that includes the most up to date information from the IRS. If an organization is not listed in our database, that does not necessarily mean a grant cannot be made to the organization. However, a grant recommendation to such an organization will require additional research. Including a contact name and phone number for the charity if you have one could help expedite the research process.
What does the term “more than incidental benefit” mean?
Grants must be recommended exclusively for charitable purposes with no more than incidental benefits to an Account Holder or related third party. A “more than incidental” benefit generally includes items with financial value, such as includes tickets to attend an event, raffle tickets, auction items, or the provision of any other goods or services. Certain items of minimal value are considered an “incidental benefit” such as logo-bearing keychains, coffee mugs, or calendars.
Can I recommend a grant from my Giving Account for the tax deductible part of a ticket to a charitable event?
No. Bifurcated or “split” gifts cannot be made with your donor-advised fund. For example, grants intended to pay all or a portion of the cost of tickets to attend a charitable event will not be made. This includes grants for the charitable, or tax-deductible, portion of the ticket price. The FULL ticket price (the tax deductible AND non-tax deductible portions) must be paid out of pocket and separate from any Fidelity Charitable grants.
Here’s an example to explain:
Rebecca would like to attend the Annual Gala at her favorite charity. The charity offers individual tickets priced at $500 ($250 tax-deductible) or a Patron Sponsorship for $10,000 that comes with 10 tickets for seats at a premium table ($7,500 tax-deductible). Rebecca would like to use all 10 seats so her friends and family can attend the gala with her. For Rebecca to be within Fidelity Charitable policy, she would have to pay the full minimum ticket price of $500 for each attendee, totaling $5,000.
She can recommend a grant for the remaining $5,000 from her Giving Account at Fidelity Charitable as long as this amount is considered fully tax-deductible with no goods or services being provided in connection to the grant.
Fidelity Charitable’s policies are in compliance with the Pension Protection Act of 2006 (PPA) which enacted certain laws applicable to donor-advised funds, including excise taxes on prohibited benefits under IRC section 4967.
In December 2017, the IRS released Notice 2017-73 that requested comments on potential regulations the IRS is considering with respect to donor-advised funds. The rules proposed in the Notice are largely consistent with Fidelity Charitable’s policies and procedures.
Can I recommend a grant to attend a charitable gala or fundraising event?
You may recommend a grant for general support/recognition for the event; however, you may not recommend a grant to be used to purchase a ticket to attend a charitable event, or to cover the tax deductible portion of a ticket to attend the event.
For more information, please review the previous question 'Can I recommend a grant from my Giving Account for the tax deductible part of a ticket to a charitable event?'
Can I recommend a grant to cover the cost of membership to a charitable organization?
You may recommend a grant for this purpose ONLY if the organization confirms that its membership fee is 100% tax-deductible and that membership benefits are not more than incidental. If this is the case, please indicate in the Special Purpose section that the membership level does not provide you with more than incidental benefits by selecting “Membership” from the drop down menu when submitting your grant recommendation.
Can I support a pledge with a donor-advised fund?
Grants can be made in support of non-legally binding pledges. Accordingly, you may tell charities that you “intend to recommend a grant from your donor-advised fund in the amount of [$]” so they know your grant recommendation is being made in response to a charitable organization’s request for a commitment.
When submitting a grant recommendation online, once you confirm that the charity does not consider your pledge to be legally binding, select “Pledge (non-binding)” from the grant use menu.
Read this article for more information:
Can I support my friend who is participating in a walk/run/ bike ride with my donor-advised fund?
Yes, you can. When submitting your grant recommendation, select 'race, run, walk' from the drop down menu and enter the racer’s name and other relevant information such as race name and number.
Please note: an Account Holder cannot support the Account Holder’s own fundraising commitment, such as a walk, bike ride, or run, unless the full financial obligation has been satisfied first.
Can I make a grant in memory or in honor of a loved one?
Yes. Select 'In memory of' or 'In honor of' from the drop down menu when submitting your grant. From here, you will be able to add your loved one’s information.
Can I recommend a grant to support scholarship or tuition payment?
No. A grant cannot be recommended for the tuition payment of a specific individual(s) or for a scholarship where the donor(s) or related parties have sole or majority discretion over the recipients. Grants for school tuition and other required fees, such as enrollment fees and deposits are not allowed. This includes fundraising obligations set by the school that will be billed as tuition if not met. A grant cannot be recommended for a specified tuition payment or for a scholarship where the donor(s) or related parties have sole or majority discretion over the recipients.
You may, however, recommend a grant for the purpose of supporting a scholarship program that is administered and overseen by a qualified public charity, so long as it does not satisfy a financial obligation of any individual or entity.
Can I support an athletic fund with my donor-advised fund?
Benefits in connection with athletic funds (such as when the Account Holder receives benefits like the right to purchase tickets to sporting events) are prohibited. The full price required to receive these benefits must be paid out of pocket and separate from any Fidelity Charitable grants.
Can I support my political party with my donor-advised fund?
A grant cannot be made if it will be used for lobbying, for political contributions, or to support political campaign activities.
Can I make grant recommendations to foreign charities?
You have two options for using your Giving Account to support causes outside the U.S. You can recommend a grant to an American charity that works overseas, or you can recommend a grant to an American intermediary charity that will, in turn, make a grant to your preferred organization for an additional fee, subject to eligibility for grants within the American intermediary’s grant diligence process. We have identified a number of intermediary charities that specialize in various regions of the world, and they can help you support the causes you care about.
Learn more about our foreign charities options.
Why was the grant I recommended returned to my Giving Account?
When a grant is returned to your Giving Account, it is likely due to the charity not depositing the check after 90 days or the grant being returned by the postal service. For more information, see the “History” tab and further reference the “All other transaction history.”
How are funds distributed to the charities?
We send the grants to charities via check or Electronic Funds Transfer (“EFT”).
For many charities, it is more efficient for the funds to be sent electronically. When charities enroll in the EFT program with Fidelity Charitable, we do not need an address from you because we have information for the charity’s bank account, where we send all grants.
Below are examples of the letter we would send a charity with the grant. You can see how the special purpose and acknowledgement you selected for your grant recommendation would be sent to the charity. If you need a copy of the letter, please call our service team who can facilitate your request. If a grant is sent via EFT, the charity will receive an email with this information.
Can I have the grant check sent to me so I can present it to the organization?
No, Fidelity Charitable sends all grant funds directly to the charity grant recipients.
Can I have a checkbook associated with this account?
No. Fidelity Charitable handles all check writing and grant processing. Additionally, all grant recommendations are subject to review and approval by the Trustees of Fidelity Charitable and therefore checkbooks may not be provided to donors.
Grant recommendations can be made online at FidelityCharitable.org, through the iOS app, or by phone.
How is my information shared with recipient charities?
Nonprofits often want to thank you for the recommended grant and engage with you to further support their mission. We encourage donors to provide their name and address to nonprofits with each grant they recommend.
Each time you recommend a grant you will be automatically defaulted to this full acknowledgement option, however you may also choose to grant partially anonymously or fully anonymously. The option you choose, subject to Fidelity Charitable Trustee approval, will be sent with the grant via check or electronic funds transfer.
See below for an example of each acknowledgement option:
While the account default is full acknowledgement, all three acknowledgement options are generally available to choose from at the time of recommendation for each grant. You can call us to elect another acknowledgement option as the default.
While every effort will be made to approve recommended grants, please be advised that our Trustees have the right to decline any grant request.
Please refer to the Fidelity Charitable Program Guidelines (PDF) for more detailed information.
What is the IRS Form 8283?
Individuals, partnerships, and corporations use IRS Form 8283 to report information to the IRS about noncash charitable contributions when the amount of their contribution for all noncash gifts is more than $500. Fidelity Charitable provides donors with IRS Form 8283 when their previous year's noncash charitable contributions to Fidelity Charitable meet this criteria. These forms are generally available online or sent via U.S. mail by the end of February.
When will Fidelity Charitable send out my IRS Form 8283?
Fidelity Charitable aims to send all tax forms by the end of February. Donors and advisors will be notified when forms are available.
Where can I get my IRS Form 8283 online?
IRS Form 8283 is available to donors when they log into their Giving Account and to elected advisors on Giving Central. The form can be found on the “Statements & Confirmations” page under the “History” tab. Donors can also obtain blank 8283 forms from the IRS website. Click on the “Forms & Instructions” tab and type “8283” in the Forms, Instructions and Publications Search box to select the desired form.
I need to do my taxes soon, how can I get the information to complete my IRS Form 8283?
You may access contribution confirmations by logging into FidelityCharitable.org. Access the “Statements & Confirmations” page under the “History” tab for official tax receipts for contributions made into the Giving Account.
Why did I get more than one 8283?
As of 2018, if you made contributions from a third-party entity, such as a trust, LLC, or partnership, you may receive more than one IRS Form 8283. SSN/TIN must match on both the contributing and receiving accounts, otherwise IRS Form 8283 will be sent via U.S. Mail to avoid privacy issues.
Will Fidelity Charitable consolidate my 8283 forms for my convenience?
Fidelity Charitable provides IRS Form 8283 as a courtesy to our donors. Currently, we are not accepting consolidation requests for IRS Form 8283. If you would like to consolidate your deductions, please locate a blank IRS Form 8283 on the IRS website and consult with your tax advisor.
Can Fidelity Charitable make corrections to IRS Form 8283?
Can people who do not have a Fidelity Charitable Giving Account make contributions for the benefit of another person's Giving Account?
Anyone can make tax deductible charitable contributions to Fidelity Charitable, which can be allocated into a Giving Account. All contributions must meet the criteria outlined in the Fidelity Charitable Program Guidelines.
Third-party contributors — people other than the Account Holder on a particular Giving Account — will have no privileges with respect to their contributions, such as recommending investment allocations and grants. Like Account Holders, third-party contributors also cannot receive anything in consideration of their contribution, under IRS rules and Fidelity Charitable policies.
Account Holders cannot solicit third-party contributions on behalf of a specific charitable organization or on behalf of Fidelity Charitable for their Giving Account, and cannot guarantee to contributors that intended grant recommendations will be approved.
In regards to third party contributions, what does Fidelity Charitable consider a third party entity?
A third party is any person or entity that makes a contribution to Fidelity Charitable that is not an Account Holder on the Giving Account. Third parties can include a trust, corporation, limited liability company, or partnership.
What is the difference between a notification sent to me, the Account Holder, and the Confirm sent to a third party for the third party’s contribution?
The Notification sent to an Account Holder serves as notice that a third party contributor made a contribution to Fidelity Charitable that was allocated to your Giving Account. The Confirm sent to the third party contributor serves as written acknowledgement for the donor’s use to substantiate their charitable deduction for tax purposes.
Why does Fidelity Charitable ask for additional information during third party contributions?
Fidelity Charitable is dedicated to providing the most accurate documentation to its donors for their contributions for tax reporting. Donors choose to make contributions to Fidelity Charitable on behalf of third party entities, and we understand that it is critical for the documentation for tax reporting to be accurate to ensure donors and donor-advisors can file their tax returns accurately.
For third party contributions, will a Notification still be delivered to the Account Holder?
Yes, the primary Account Holder will receive a Notification via his/her preferred delivery method if a contribution from a third party entity has been made to Fidelity Charitable, and has been allocated to his/her Giving Account.
Does Fidelity Charitable require specific contribution amounts?
After your initial contribution, there is no minimum contribution amount.
The minimum contribution for individuals to set up a Giving Account is $5,000. For corporations the minimum is $25,000.
What happens when Fidelity Charitable receives my contribution?
When a contribution is received and accepted, Fidelity Charitable will allocate the proceeds of the contribution to your Giving Account, and will purchase units of each investment pool recommended for the Giving Account. Units will be purchased on the business day (each day that the New York Stock Exchange is open for business) Fidelity Charitable receives cash or the proceeds from the sale of the contributed assets.
Once Fidelity Charitable accepts a charitable contribution, it is irrevocable and is owned and controlled by Fidelity Charitable's Board of Trustees, who are responsible for all aspects of Fidelity Charitable's operations. Fidelity Charitable's service provider typically trades assets in Fidelity Charitable's brokerage account(s) between 9:45am and 3:45pm ET, but not immediately after the market opens nor immediately before market close. This is due to Fidelity Charitable's concerns about volatility at the open and close of the market. Fidelity Charitable generally expects its service provider to place batch trades in 15 minute intervals, but does not require a guarantee from its service provider that every contributed security will be sold within 15 minutes after it is received.
What does "immediate tax deduction" mean?
Fidelity Charitable donors may be eligible to take an itemized deduction valued on the date their charitable contribution to Fidelity Charitable is made, subject to the general limitations described in "What are the limitations on charitable deductions?", below. Your deduction will depend, in part, on the type of asset that you contribute. Please check with your tax advisor. Deduction amounts follow:
The Fidelity Charitable Policy Guidelines are a good reference for tax questions. This section addresses only federal taxes. Rules and regulations regarding tax deductions for charitable giving vary at the state level. In addition, certain additional rules or limitations may apply with respect to your tax treatment depending on your specific circumstances. Please consult with your tax advisor.
What are the limitations on charitable deductions?
Under the Internal Revenue Code, deductions for charitable contributions are subject to certain "percentage limitations" that limit the deductions that can be taken to a stated percentage of adjusted gross income ("AGI") in the year the deduction is taken. (Contributions in excess of these percentage limitations may be carried forward up to five subsequent years.) Because Fidelity Charitable is a public charity, the percentage limitations that apply are generally the most favorable charitable deductions available under IRS rules.
Your ability to take itemized deductions may be subject to certain other limitations. Please contact your tax advisor to determine your tax deductibility limits.
What types of assets can I contribute to Fidelity Charitable?
Cash equivalents, publicly traded stock, mutual fund shares, bonds, certain private or restricted stock, and bitcoin are eligible for contribution to Fidelity Charitable. We will be glad to discuss proposed contributions with you. Please contact us at 800-262-6039 for assistance.
What types of bank accounts are eligible for Electronic Funds Transfer (EFT)?
For an individual Giving Account, Fidelity Charitable will accept contributions from your personal savings or checking accounts with any U.S. bank. Your Social Security Number should match the corresponding Social Security Number on your bank account.
For a Corporate Giving Account, Fidelity Charitable will accept contributions from a corporate account with any U.S. bank. The corporate bank account must be an account for which you are authorized to act on behalf of the corporate entity.
Is there a fee for EFT?
Fidelity Charitable does not charge a fee for using EFT; however, your bank may charge a fee.
Can I contribute privately held company stock to Fidelity Charitable?
Contributions of privately held company stock are reviewed and accepted on a case-by-case basis. Please contact us at 800-262-6039 for assistance.
Does Fidelity Charitable accept bitcoin as a contribution?
Yes. For all bitcoin inquiries, please contact us at 800-262-6039.
Would it be a wise estate planning idea to leave my IRA, 401(k), or other retirement account to Fidelity Charitable?
You should always check with your own tax advisor or trusts and estates attorney because individual situations vary substantially. It is generally permissible to leave your IRA or other tax-deferred account to charity. At your death, the full value of the account would be included in your estate, but since it is being donated to a charity, it would generally qualify for the unlimited charitable deduction.
With any employer-sponsored retirement plan (e.g., a 401(k)), there must be spousal consent to leave the balance of your retirement account to a charity. You also must bear in mind the minimum required distribution rules, the needs of your beneficiary, and your financial needs during your lifetime.
What about contributing from my retirement account now?
Again, it is important to speak with your tax advisor or attorney about your personal situation. In general, during your lifetime, whenever you take money out of your tax-deferred account (IRA, 401(k), 403(b), etc.), the distribution is considered income to you and is a taxable event. Therefore, you would have to pay the taxes due upon the value of the distributed assets and the remaining money would go to the charitable organization.
However, there may be certain exceptions for "employer securities" (shares of an employer's stock, or "company stock") held in a 401(k) account. If you are interested in contributing this type of security, contact us at 800-262-6039 for assistance.
Can I give a variable annuity to Fidelity Charitable?
We can accept variable annuities that are nonqualified. However, most variable annuities are qualified, which means they are equal to pre-tax dollars. Therefore, the owner must create a taxable event (that is, sell the variable annuity) before donating the money.
At death, annuities bring up the same considerations as retirement plans, although there are no minimum required distribution rules to consider. (See previous two questions for more on contributing from a retirement account.) This is another instance in which it is important to consult with a tax advisor to evaluate your individual situation. This answer should not be construed as tax advice.
Where should I send my forms to be processed?
We have a processing center for general mail and overnight mail.
Fidelity Charitable Gift Fund 100 Crosby Parkway Covington, KY 41015-9325.
General Mailing Address:
Fidelity Charitable Gift Fund & PIF PO Box 770001 Cincinnati, OH 45277-0053.
What is the difference between the Fair Market Value (FMV) and the proceeds?
The FMV for publicly-traded securities is determined by multiplying the number of shares contributed by the average of the high and low prices for the day on which the shares are received. It is the figure that is used for tax deduction purposes. The proceeds are what the securities are sold for, multiplied by the number of shares contributed, then subtracted by any commission (usually 1.2 cents per share). This is the amount that is deposited into the investment pools and is available for distribution. This is the procedure followed per IRS standard.
What are the stock delivery instructions?
For credit to: National Financial Services LLC
Account Number: Z97–000442
For benefit of: Fidelity Charitable Giving Account [number]
What are the year-end contribution date guidelines?
How do the Fidelity Charitable Trustees choose the funds included in Fidelity Charitable pools?
The Fidelity Charitable Board of Trustees have appointed Strategic Advisers, Inc., a Fidelity Investments company and an SEC-registered investment advisor, to be the investment advisor to Fidelity Charitable. The Trustees meet regularly with Strategic Advisers, Inc. to review the investment pools and the underlying investment options, as well as the investment performance.
What are investment pools?
The Fidelity Charitable investment pools are investment vehicles available to our donors. The investment pools aggregate, or pool, donations from many different Giving Accounts and invest those assets in an underlying investment. The investment pools typically invest in mutual funds, which are professionally managed and diversified across many different holdings. We offer a wide range of investment options with unique investment objectives and strategies to help our donors meet their philanthropic goals.
What are the different categories of investment pools?
Fidelity Charitable offers a wide range of investment pool options for donors to utilize to allow their contributions the opportunity for tax-free growth. Like with any investment strategy, diversifying assets in a Giving Account with a suitable asset allocation is critical to helping donors meet their specific charitable goals.
For those donors who want to customize an asset allocation in their Giving Account, Fidelity Charitable offers single asset class pools that can be combined in a variety of ways to help meet unique philanthropic goals. The key to this strategy is to revisit the asset allocation often and rebalance regularly. Our single asset class pools are truly part of an open architecture—we offer both passively and actively managed options and Fidelity and non-Fidelity managed options. Pool names ending in “Access” indicate those options that have underlying investments that are externally managed.
Our sustainable and impact investing pools can also be used as building blocks for a broader asset allocation for those donors who want exposure to strategies that consider social and environmental factors, while also emphasizing financial returns.
For donors who prefer a simpler option, asset allocation pools offer instant diversification among multiple asset classes. Donors choose the appropriate risk level—ranging from conservative to aggressive—and the pool will be managed against a target asset allocation and automatically rebalanced for them. Donors interested in this all-in-one option can utilize the Pool Selector, an online tool that simplifies the decision process for allocations in your Giving Account.
The Charitable Legacy Pool is an “all-weather” asset allocation option that goes beyond traditional equity, bond and short-term investment allocations. The pool seeks to provide inflation-adjusted returns while preserving capital through various market cycles and is meant to match a donor’s consistent grant-making.
Do you offer any pools that invest exclusively in socially-responsible or sustainable investment strategies?
Yes. For donors who are interested in investment strategies that exclude specific industries (negative screens) or consider environmental, social and corporate governance factors (positive screens), we offer several investment pools that meet these criteria. To learn more about the investment pool options that seek to consider both financial return and social good, refer to our Sustainable and Impact Investing Pools page.
What are sustainable and impact investing pools?
Sustainable and impact investments are investments made in companies, organizations and funds with the intent to generate positive social and environmental impact alongside a financial return. Fidelity Charitable’s sustainable and impact investing pools allow donors to further align their Giving Account with their values by providing opportunities to invest donations in strategies that consider social and environmental factors, while deciding which charities to support. We currently offer both active and passive sustainable and impact investing pools.
More on our Sustainable and Impact Investing Pools page.
How were the investments in my Giving Account selected?
We invest your donation based on the investment options you recommend. For those donors who do not make active investment recommendations for their Giving Account at the time of a contribution, the Giving Account assets may have been defaulted into an investment option, as detailed in the Fidelity Charitable Program Guidelines. Donors may make pool exchanges up to five times per month.
This feature involves the one-time transmission of a security code to you through your phone. The code is necessary to verify your identity.
The voice or text message that delivers your security code is a one-time, user-initiated message. If you have questions about the security code, please contact a Fidelity Charitable Representative at 800-952-4438.
Your ability to perform certain transactions online may be limited by technical constraints or other limitations present in your equipment and access devices.
Fidelity Charitable is not delivering telecommunication, Internet, paging, or any other means of electronic access. You are responsible for maintaining relationships with third parties and paying applicable fees associated with such services.
You should always take steps to ensure the security of your information by keeping your access devices under your physical control and logging out as necessary. Fidelity Charitable cannot assure the security or privacy of electronic transmission.
Our messaging service is available on most carriers including AT&T, Verizon Wireless, Sprint, T-Mobile®, U.S. Cellular®, MetroPCS, Boost, and Virgin. T-Mobile® is not liable for delayed or undeliverable messages. Standard message and data rates may apply.
The third-party trademarks appearing herein are the property of their respective owners.
When will I be asked for a security code?
The Second Factor Authentication (2FA) is an additional layer of security used by Fidelity Charitable to verify the user’s online identity for critical transactions. While we continue to identify key transactions, setting up new bank instructions or modifying a user’s contact information have been identified.
Does this mean someone tried to access my Giving Account?
No, it's a best practice we're implementing to enhance the security of your online activities.
How do I get a security code?
You can receive a code as a text message on your mobile phone or with an automated phone call.
What if I don't have a mobile phone with me?
Don't worry. You can still receive your security code. Simply log in to your Giving Account® and request that the code be sent to an alternate number you have provided. If you don't have an alternate number, please contact a Fidelity Charitable Representative at 800-952-4438.
What if the options to receive the pin are outdated?
Having donor contact information up-to-date is an important step to completing the 2FA challenge. The user can always edit their contact information in the future by navigating to the Your Profile section in the site. However to complete these updates, the donor would need to successfully finish the 2FA challenge process. That is why it's important that you include more than one phone number if possible (Home and Mobile). If, however, there is no valid information, donors can contact a Fidelity Charitable Representative at 800-952-4438.
My code doesn't work. What should I do?
First, make sure you are using the code that is in the message itself and not the hyphenated 6-digit incoming number. If this doesn't solve the problem do the following:
If you received multiple codes, enter the most recent one.
What browsers work best with Fidelitycharitable.org?
Fidelity Charitable websites are best viewed using the most recent versions of these browsers. Get free upgrades here:
Note: Our latest site features will not work with older browser versions, specifically Internet Explorer 7, 8, 9, 10 or Safari 4, 5 and 6. For mobile devices, always ensure that you are running the most recent operating system to optimize performance and security.
I am receiving an unsecure / untrusted website message, what is causing this? What should I do to resolve this?
Fidelity Charitable has updated the digital certificate we use to increase the level of security our website provides our donors. Browsers on older operating systems may not be compatible with this upgraded certificate.
The updated digital certificate is made by Entrust, a certificate provider that Fidelity Charitable uses for secure communications. Entrust is one of the industry standards.
This issue is best resolved by downloading the newest version of Entrust Root Certificate Authority and adding this trusted security provider to your computer. To do this, please follow these steps:
What is the Fidelity Charitable® App for iPhone or iPad and how can I use it?
The Fidelity Charitable® App for iPhone or iPad makes supporting your favorite charities even easier. Once you have downloaded the app and log in to your Giving Account, you can recommend grants, check your balances, and view the status of grant recommendations and contributions—wherever you are.
Currently the Fidelity Charitable App is only available for iOS® capable iPhones or iPads.
How do I reset my password or what if I am locked out of my account?