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Deferred Gift Annuity: The Details

You can make a gift and receive fixed, stable payments for life.
Deferred payments are higher than an immediate payment annuity as well as many securities and CDs. They are ideal to supplement other retirement income.

Is this gift right for you?

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.
  • You want to make a significant gift to us and receive 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 payments that won't fluctuate during your lifetime.
  • You also appreciate the safety of your payments being a general financial obligation of ADLF.

This version of the charitable gift annuity is especially designed for younger donors. Called the deferred gift annuity, it makes fixed annual payments to you and/or another beneficiary for life, with payments commencing at a future date. Because of the deferral of income payments:

  • Anti-Defamation League Foundation can offer a higher annual payment for these annuities than for annuities whose payments start immediately, and
  • You may receive a larger charitable income tax deduction than you could get from any other life-income gift plan.

These two features make the deferred gift annuity quite attractive to donors in high-earnings years who are concerned about securing both current tax deductions and additional sources of retirement income.

Use a deferred gift annuity to help plan for retirement

Many donors establish a series of deferred annuities over several years, using funds they had already set aside for retirement saving (but not funds from qualified retirement plans). They set the commencement date for payments from these annuities to coincide with their or their spouse's retirement.

Planning points

The deferred gift annuity offers the same benefits of simplicity, security, and attractive income deductions that the regular gift annuity provides our donors:

  • Your deferred annuity is a contract between Anti-Defamation League Foundation and you, and your annuity payments are an obligation backed by our organization's assets;
  • You secure a sizable charitable income tax deduction.
  • No up-front capital gains tax is payable if you fund your deferred gift annuity with appreciated securities; only a portion of your gain is recognized, with the tax spread over your lifetime annuity payments.
  • Part of each annuity payment to you comes tax-free as the return of principal;
  • The balance remaining in your deferred annuity after the death of the beneficiaries will be used by ADLF.
  • A deferred gift annuity at ADLF can be made with a gift of $10000 or more.

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.