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Model Portfolios

We have five pooled investment options, and funds can easily be moved from one option to another as your philanthropic plans change. We will work with you to ensure your investment recommendations are providing you with the return that you expect.

For contributions in excess of $250,000, we can work with donors to design a tailored asset allocation to grow their assets in a separately managed account.

Money Market

Pool designed to preserve capital through investments in high-grade bonds with short maturities (one-year or less).

Asset Allocation:

90% - Schwab Government Money Fund
10% - Schwab U.S. Aggregate Bond Fund

Time Horizon: Less than One Year

Expected Return: 1.54%
Expected Volatility: 0.80%

Income

Pool designed to generate higher levels of income with some growth in principal through greater risk exposure than short term fixed income alone.

Asset Allocation:

42% - Schwab U.S. Aggregate Bond
8% - iShares TIPS Bond ETF
2% - Schwab Fundamental Global Real Estate
30% - Schwab Total Stock Market
18% - Schwab International Index

Time Horizon: Five Years or Less

Expected Return: 6.42%
Estimated Volatility: 9.04%

Conservative

Pool designed to grow the principal value enough to cover annual distributions through acceptable levels of risk.

Asset Allocation:

32% - Schwab U.S. Aggregate Bond
6% - iShares TIPS Bond ETF
3% - Schwab Fundamental Global Real Estate
36% - Schwab Total Stock Market
23% - Schwab International Index

Time Horizon: Five to Ten Years

Expected Return: 7.44%
Estimated Volatility: 10.43%

Moderate

Pool designed to increase the principal value of the portfolio enough to cover annual distributions and protect against inflation taking on higher levels of risk.

Asset Allocation:

12% - Schwab U.S. Aggregate Bond
3% - iShares TIPS Bond ETF
4% - Schwab Fundamental Global Real Estate
42% - Schwab Total Stock Market
33% - Schwab International Index

Time Horizon: Ten to Twenty Years

Expected Return: 9.51%
Estimated Volatility: 13.23%

Aggressive

Pool designed to maximize returns through higher levels of risk, anticipating higher volatility in portfolio value will produce greater annual returns that grow the portfolio after distributions and inflation.

Asset Allocation:

2% - Schwab U.S. Aggregate Bond
2% - iShares TIPS Bond ETF
5% - Schwab Fundamental Global Real Estate
53% - Schwab Total Stock Market
38% - Schwab International Index

Time Horizon: Over Twenty Years

Expected Return: 10.43%
Estimated Volatility: 14.62%

**All volatility and return calculations are based on an 119 month period ending September 30, 2024.