Charitable Gift Annuity
at a Glance

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A charitable gift annuity is a simple contract between the donor and INHF. A donor gives cash, appreciated securities or possibly other assets to INHF in return for lifetime fixed payments. Here is an example of a possible INHF gift annuity scenario.
1.  Jane Smith, age 75, contributes $10,000 to INHF to establish a 7.9% charitable gift annuity.
2.  INHF invests the money and begins sending quarterly payments to Jane. This continues throughout Jane's lifetime.
3. Jane receives:

• A charitable deduction of $4,021 which may save Jane $1,086 immediately.
• Quarterly gift annuity payments from INHF totalling $790 annually
   $482 of the annual total comes to Jane tax free
   $308 of the annual total comes to Jane as ordinary income

The tax savings plus the annual payments yield anoverall payout rate equivalent to 10.9% for Jane.
4. After all payments have been made to Jane, INHF still retains an estimated $9,000 to $10,000. The funds support the Foundation's work in areas most valued by Jane.

For more information, e-mail Cheri Grauer, Gift Planner, or call (515) 288-1846.