One of the best advantages of our Giving Fund is that you are able to claim an immediate tax deduction for your gift – yet take the time to prayerfully consider which charities you wish to support.

Meanwhile, Funds can grow through one of our investment portfolios. Funds with a balance that exceeds $100,000 may be placed in more than one investment portfolio. Funds with a balance that exceeds $300,000 are available for separately managed investment. Our policy is to allocate earnings and losses (less administrative costs) to the Fund each month. 

The following are NCF's five investment portfolios:

Pools Without Equity Exposure

The Money Market Pool

• This pool seeks preservation of principal by maintaining a stable fund value, while paying interest that is commensurate with institutional money market fund rates. 
• NCF makes every effort in managing this pool to avoid all capital losses by restricting investments to highly liquid, short-term fixed income investments. 

The Bond Pool

• This pool is intended for NCF Giving Funds seeking income and modest capital appreciation with a distribution horizon of one to three years or more. 
• The pool seeks steady income and relatively stable principal values by investing in a portfolio of investment grade bonds. 
• The duration of this fund is relatively short as a way of minimizing principal fluctuations. 
  
  

Longer-Term Pools With Equity Exposure

The Conservative Pool

• This pool is intended for NCF Giving Funds with a distribution horizon of three or more years. 
• The pool seeks both income and modest capital appreciation by investing in a diversified mix of asset classes that includes global equities, fixed income, commodities, and risk-reducing alternative investments. 
• Of the three equity pools, the Conservative Pool has the lowest equity exposure and the highest exposure to fixed-income investments. 

The Balanced Pool

• This pool is intended for NCF Giving Funds with a distribution horizon of five or more years. 
• The pool seeks income and capital appreciation that is appropriate for the intermediate-term time horizon. 
• This pool also invests in a diversified mix of asset classes that includes global equities, fixed income, commodities, and risk-reducing alternative investments but with a heavier weighting to equities than in the Conservative Pool. 
• The likely volatility of the Balanced Pool will usually be greater than the Conservative Pool but less than that of the Growth Pool. 

The Growth Pool

• This pool is intended for NCF Giving Funds with a distribution horizon of seven or more years. 
• As the pool with the longest investment time horizon, this pool seeks long-term capital appreciation and has the heaviest weighting to equities. 
• This pool is nonetheless invested in a diversified mix of asset classes that includes global equities, fixed income, commodities, and risk-reducing alternative investments. 
• Of the three equity pools, the Growth Pool is the most volatile with the greatest potential for capital appreciation and also the greatest risk of loss.

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