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Charitable Gift Annuity: The Details

You can make a gift and receive fixed, stable payments for life.
Payments may be much higher than your return on low-earning securities or CDs.

A gift annuity may be for you if...

A gift annuity may be for you if…

  • You want to make a significant gift to us and receive lifetime payments in return.
  • You want to maximize the payments you receive from your planned gift — and you want to lower your income tax on those payments.
  • You want the security of payment amounts that won't fluctuate during your lifetime.
  • You also appreciate the safety of your payments being a general financial obligation of Anti-Defamation League.
  • You like the idea of supplemental income you can't outlive.

A deferred gift annuity may be for you if…

  • You are in high earnings years, looking for both income tax savings now and an additional source of revenue when you retire.

Of all the gifts that pay you back, the charitable gift annuity is the simplest, most affordable, and most popular. You make a gift to Anti-Defamation League Foundation and in return, we agree to make fixed payments to you for life. The gift agreement is a simple contract between you and Anti-Defamation League. Your payments become one of our general obligations, fully backed by all our assets, and will not fluctuate.

At your death, we apply the balance of the gift annuity to perpetuate ADL programs.

Gift annuities offer attractive tax benefits:

  1. In exchange for your gift you will receive a federal income tax deduction for a significant portion of your gift.
  2. If you fund your charitable gift annuity with appreciated securities, naming yourself as beneficiary, no capital gains tax is due on the transfer. Only a portion of your capital gains will be reportable, and the tax from any gains will be spread over your lifetime annuity payments.
  3. Part of each annuity payment will be treated as tax-free return of your principal. This effectively increases the yield from your annuity over your life expectancy.

Your gift annuity can start payments once you have made your contribution (an immediate payment gift annuity), or payments can begin at a later date selected by you (a deferred payment gift annuity). Deferral entitles you to a higher annuity rate and generates a larger charitable deduction. Please contact us for more details.

Many donors create a series of deferred gift annuities over multiple years, jointly timed to begin making payments to supplement retirement income. Their deferred gift annuities give them a current income tax deduction, and an additional source of cash during their retirement years.

Planning points

  • A charitable gift annuity with Anti-Defamation League can be created with a gift of $10000 or more.
  • Gift annuities bring the benefits of a life income gift into reach for many donors.
    • Your gift annuity can make payments to a maximum of two people.
    • Gift annuity rates are partly determined by the age of the beneficiary.
  • Younger donors may find the retirement planning benefits of a deferred gift annuity attractive.

Please contact us so that we can assist you through every step of the process.

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Compare Gift Plans Goals & Benefits Glossary Request Information

The professionals at our Department of National Planned Giving, Legacy and Endowments will be happy to discuss your interests, concerns and financial options, and work personally with you and/or your legal and financial advisors to create a plan that meets your needs and supports the Anti-Defamation League Foundation.

For more information, please contact:

Director of National Planned Giving, Legacy and Endowments
Anti-Defamation League Foundation (ADLF)
605 Third Avenue
New York, NY 10158
plannedgiving@adl.org
1-888-235-9710

This information is provided for educational purposes. The Anti-Defamation League Foundation and ADL are not financial, legal or tax advisors. Please contact your advisors regarding your financial, legal or tax needs.