Charitable Gift Annuity

A Charitable Gift Annuity (CGA) with Doctors Without Borders gives you or a loved one a guaranteed lifetime income stream and, as part of your legacy, helps us ensure our ability to respond to the challenges we will face in the future. In simple terms, a gift annuity is a contract in which you transfer cash, securities such as stocks or bonds, or other tangible assets to a nonprofit organization in exchange for scheduled payments and tax deductions.

Are you thinking about your income needs during retirement? You might want to consider a Deferred Gift Annuities plan.

What is a Charitable Gift Annuity?

A Charitable Gift Annuity is one of the most popular ways to make a planned gift because it allows you to help us meet future needs while supplementing your income. A CGA is a contract in which you transfer cash, securities such as stocks or bonds to a nonprofit organization in exchange for scheduled lifetime payments and tax deductions. Please refer to our CGA Policy for additional information on the types of gift accepted by MSF.

What are the benefits of a CGA with MSF?

• Fixed payments for the rest of your life
• You can help a loved one as well as yourself
• You are protected by the security of an established institution
• You will receive an income tax reduction
• Part of your payment is tax-free
• You can continue your philanthropy into the future

How does it work?

• A minimum donation of $5,000 is given to MSF in the form of cash or appreciated securities. In return, MSF will pay one or two individuals of your choosing an annuity every year (monthly, quarterly, semi-annually or annually) for your life. Please note we require a minimum age of 60.


Sudan 2004 © Francesco Zizola

• You will be eligible for an immediate tax deduction for the portion of the donation that is considered a charitable gift. Subsequent annuity payments are partially tax-free during the annuitant's life expectancy. Capital gain taxes are deferred should you choose to donate appreciated securities.
• Upon the gift's maturity, MSF will benefit by retaining the remaining portion of your initial gift.

What annuity rate am I eligible for?

MSF applies the rates set according to the American Council on Gift Annuities. Although they are updated from time to time, below is an overview of payment rates effective through June 30, 2008. For specific information relating to your annuity, please call (212) 847-3149 or plannedgiving@newyork.msf.org.

Uniform Gift Annuity Single-Life Rates

Age	Rate
60	5.7
61	5.8
62	5.9
63	5.9
64	6.0
65	6.0
66	6.1
67	6.2

Age	Rate
68	6.3
69	6.4
70	6.5
71	6.6
72	6.7
73	6.8
74	6.9
75	7.1

Age	Rate
76	7.2
77	7.4
78	7.6
79	7.8
80	8.0
81	8.3
82	8.5
83	8.8

Age	Rate
84	9.2
85	9.5
86	9.9
87	10.2
88	10.6
89	11.0
90+	11.3

I am thinking about my income needs in retirement:

MSF also offers Deferred Gift Annuities. This plan allows you to make a current gift while payments are deferred to a future date, at least one year after the initial gift — often retirement age. The rate and amount of the annuity being deferred would be calculated at the time the gift is made so you can accurately plan for your cash needs.

What are benefits associated with a Deferred Gift Annuity (DGA)?

• You would receive immediate income tax charitable deductions
• It would allow you to plan for and maximize your retirement income
• You would remove taxable assets from your estate
• You would provide long-time support of MSF's programs