Benefits of the Giving Account

  • Support the same charities you do now
  • Streamline your tax recordkeeping in one convenient location
  • Donate cash, stocks, private business interests and more
  • Grow your donation*

* Donations are invested and investing involves risk. The value of an invested donation will fluctuate over time and may gain or lose money.

How it works

Resources

Giving Account fact sheet

Use this document to quickly understand the benefits of a Giving Account, administrative fees, and compare ways to give.

Giving Account brochure

The Giving Account, a donor-advised fund, is one of the easiest and most tax-advantageous ways to give to charity. Use this brochure to learn how. 

Quiz: Is a donor-advised fund right for you?

Finding out is simple. Just answer a few questions, like how long you hope to contribute, the amount you plan to give, and your risk tolerance.

What it costs

No minimum

initial contribution

You can open a Giving Account with no minimum initial contribution. 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

0.015% to 0.91%

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 fee

Hypothetical investment growth***

Account balance

$10,000

Administrative fee*

$100

Investment fee**

$48

Total fee

$148

Hypothetical investment growth***

$408

Account balance

$100,000

Administrative fee*

$600

Investment fee**

$480

Total fee

$1,080

Hypothetical investment growth***

$4,077

Account balance

$250,000

Administrative fee*

$1,500

Investment fee**

$1,200

Total fee

$2,700

Hypothetical investment growth***

$10,193

Account balance

$500,000

Administrative fee*

$3,000

Investment fee**

$2,400

Total fee

$5,400

Hypothetical investment growth***

$20,386

*Additional fees may apply for Giving Accounts enrolled in the Charitable Investment Advisor Program.

**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 the average annual one-year return from the Conservative Income pool for January 31, 2024. 
View all pool performance

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:

 

Additional average annual returns:

Average Annual Returns Conservative Income Pool
Performance of Average annual
1 yr 3 yr 5 yr 10 yr
Performance of Conservative Income Pool 1 Average annual 1 yr 4.08% Average annual 3 yr -0.12% Average annual 5 yr 2.84% Average annual 10 yr 2.72%
Performance of Underlying Fund:
Fidelity Asset Manager 20%
Average annual 1 yr 4.65% Average annual 3 yr 0.47% Average annual 5 yr 3.46% Average annual 10 yr 3.33%

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 Fidelity Charitable Program Guidelines, 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.

Want more info before you open a Giving Account?

Sign up to receive occasional news, information and tips that support smarter philanthropic impact through a donor-advised fund.

Do more with your Giving Account

Give your financial advisor access

If you already work with a financial advisor, you can give him or her access to your Giving Account to transact on your behalf or manage the investments in your Giving Account.

Donate a variety of assets

When you use our donor-advised fund to give to charity, you're not limited to donating just cash. You can also donate stocks, bonds, and non-publicly traded assets like private business interests.

Name a successor

Whether you want to carry on a tradition of giving with your family or simply provide ongoing support for the charities you care about, the Giving Account helps you simplify your planning. You can also include a bequest to Fidelity Charitable in your will, potentially maximizing estate tax advantages.

Give the gift of giving

Share the experience of charitable giving with friends and family through a Gift4Giving® e-gift. It lets the recipient support a charity of their choice using your Giving Account. It's the perfect gift for any occasion.

Why Fidelity Charitable?

Join more than 322,000 donors who choose Fidelity Charitable to make their giving simple and more effective.

33

years in service

322,000+

donors

406,000+

charities supported

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