A deferred charitable gift annuity lets you make a meaningful gift to UC Berkeley today while securing higher fixed payments that begin at a future date you choose. It’s an especially attractive option for donors who are still working and want to plan ahead for retirement income.
Plan now, benefit later
A deferred charitable gift annuity works much like a standard charitable gift annuity, with one key difference: you choose when your payments begin. By delaying the start of your income, you receive a higher payment rate when payments do begin, and you qualify for a federal income tax charitable deduction in the year you create the annuity.
Deferred gift annuities are particularly well-suited for donors in their working years who want to make a gift to Berkeley today, capture an immediate tax benefit, and build a future income stream that aligns with retirement or other long-term plans.
Reasons to consider a deferred gift annuity
- Higher payment rates. The longer you defer payments, the higher your eventual rate, often significantly higher than a standard gift annuity.
- Immediate tax deduction. Receive a federal income tax charitable deduction in the year you fund the annuity, even though payments begin later.
- Flexible start date. Choose when your payments begin to align with retirement, a child’s college years, or another milestone.
- Reliable lifetime income. Once payments begin, they continue at a fixed rate for life, regardless of market conditions.
- Flexible funding. Use cash or appreciated securities to fund your gift, with potential capital gains tax savings on appreciated assets.
Do You Have Questions?
How to set up a deferred charitable gift annuity
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1
Request a personalized illustration
Our team will model payment rates, tax benefits, and start dates based on your age and gift amount.
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2
Choose when payments begin
Select a future start date that aligns with your retirement or other financial goals.
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3
Fund your gift and sign the agreement
Cash and appreciated securities are common funding options. We’ll prepare the paperwork and walk you through it.
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4
Receive your deduction now and payments later
Your charitable deduction takes effect in the year of your gift, with payments beginning on the start date you’ve chosen.