* Donations are invested and investing involves risk. The value of an invested donation will fluctuate over time and may gain or lose money.
Donate cash, stocks, 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.
*Please note, you cannot use a credit card to donate to Fidelity Charitable.
Do I need to maintain a minimum balance?
You do not have to maintain a minimum balance. Make an irrevocable contribution to Fidelity Charitable and you can start supporting charities right away.
Are there any timing considerations?
To be eligible for a tax deduction this year, you may need to initiate your donation early. While some assets take longer to accept and process than others, our outlined dates are meant to be used as guidelines. Please call us with any questions regarding which assets we accept and the time required for processing.
Contributions must be received by December 31 to be eligible for a tax deduction this year. See all year-end contribution date guidelines.
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.
You can support 501(c)(3) IRS-qualified public charities with the money you've put into your Giving Account.
Can I start giving to charities right away? How do I do it?
What does the grant review and due diligence process entail?
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.
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 do I know which investments are right for my charitable goals?
Like with any investment strategy, diversifying assets in a Giving Account with a suitable asset allocation is critical to help donors meet their specific charitable goals. From asset allocation pools, which offer diversification through an all-in-one, risk-based approach, to both passive and actively-managed broad market investments, we have something that will meet your specific investing style. We also have sustainable and impact investing options for those donors that want exposure to strategies that consider social and environmental factors, while also emphasizing financial returns.
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, invested donations depend on market performance. A diversified investment approach can help manage risk in your Giving Account and rebalancing is an important key to maintaining the most appropriate risk level, based on your charitable goals, over time. The Asset Allocation pools offer diversified all-in-one investment options, based on your risk tolerance level and time horizon, and are automatically rebalanced—taking the guess work out of the asset allocation decision process for our donors. 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?
Yes, we have a number of resources available to help guide your investment recommendations regardless of your situation and charitable goals. Our Asset Allocation pools are all-in-one investment options that are professionally managed and available to all donors. For help in determining the right Asset Allocation pool for your goals, we created the Pool Selector tool. Plus, if you’re planning contribute $250,000 or more, you’ll be eligible for our Charitable Investment Advisor Program, which allows you nominate your own financial advisor to manage your Giving Account’s investments. Learn about our Charitable Investment Advisor Program.
Are there any other investment options beyond the Investment Pools?
The Charitable DonorFlex Program—or DonorFlex—is for donors with more than $5 million in their Giving Account who desire flexibility beyond what investment pools offer. DonorFlex allows donors to recommend that their Giving Account assets be invested in hedge funds, private equity funds, mutual funds, treasuries and ETFs. Learn more about DonorFlex.
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%*
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 0.99%
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
Hypothetical investment growth***
|$10,000||Administrative fee* $100||+ Investment fee** $48||= Total fees $148||Possible investment growth*** -$1,072|
|$100,000||Administrative fee* $600||+ Investment fee** $480||= Total fees $1,080||Possible investment growth*** -$10,716|
|$250,000||Administrative fee* $1,500||+ Investment fee** $1,200||= Total fees $2,700||Possible investment growth*** -$26,790|
|$500,000||Administrative fee* $3,000||+ Investment fee** $2,400||= Total fees $5,400||Possible investment growth*** -$53,580|
*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 average annual one year return from the Conservative Income pool for December 31, 2022. 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:
|Conservative Income Pool1||Avg. annual 1 Year -10.72%||Avg. annual 3 Years -0.09%||Avg. annual 5 Years 1.41%||Avg. annual 10 Years 2.44%|
|Avg. annual 1 Year -10.18%||Avg. annual 3 Years 0.52%||Avg. annual 5 Years 2.04%||Avg. annual 10 Years 3.05%|
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.
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.
Want more info before you open a Giving Account?
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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.
Join more than a quarter million 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 $21 billion has been made available for charitable giving. That's a distinction matched by few organizations in the U.S.
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.
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.
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