Serving the Philanthropic Community Since 1927

Suggested Maximum Gift Annuity Rates, Quality Training Opportunities, and Consumer Protection Advocacy

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Join the ACGA for the 34th Gift Planning Conference
We are Going to Atlanta!
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How to Join or Support the ACGA

The ACGA relies on the support of the charitable community and indivuals to carry out our mission of promoting responsibile philanthropy.  The ACGA actively promotes responsible philanthropy through actuarially sound, suggested maximum charitable gift annuity rates, quality training opportunities and the advocacy of appropriate consumer protection. 

Ways you can support ACGA:

Current IRS Discount Rates

Month Rate
October 2018 3.4%
September 2018 3.4%
August 2018 3.4%

The IRS has released the Applicable Federal Rate for the current month. Each month the Service surveys hundreds of interest rates for various financial instruments and publishes the rate that is applicable for charitable deduction calculations. Click here to view historic AFRs.

Deferred Charitable Gift Annuity Funded with Appreciated Assets

SUMMARY

Giving an appreciated asset to charity in exchange for a Deferred Charitable Gift Annuity (“DCGA”) allows a donor to benefit charity, receive an income tax deduction, defer taxation on the appreciation, and enjoy a steady, lifetime stream of income beginning at future date determined by the donor.

STUDY

Sandra James, age 55, is a graduate and long-time supporter of her state university.  Sandra wants to make a significant gift to the university, but anticipates needing to supplement her annual income when she retires in 10 years at age 65.

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