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Charitable Gift Annuity

The Charitable Gift Annuity (CGA) is a simple agreement between you and Pepperdine and provides you with guaranteed income for life. You donate cash, stock, or real estate directly to Pepperdine in return for Pepperdine’s promise to pay a fixed amount to you during your lifetime. The payout rate is determined based on your age at the time of the gift and when payments are set to begin. The older the beneficiary, the higher the rate.

Learn More About the CGA

Summary

  • Fixed annual income for one or two lives
  • Immediate income tax deduction
  • Avoid potential estate tax
  • Relief from investment and/or real estate management responsibilities
  • Protect assets from future creditors
  • Create a permanent legacy for Pepperdine University, its faculty, and students
  • Bypass a portion of capital gains tax

Fixed Income for Life

  • Payment is guaranteed by the full faith and credit of Pepperdine University
  • The payment is fixed, never increasing or decreasing
  • A portion of the payment is tax-free, a portion is taxed as capital gain, and a portion is taxed as ordinary income
  • The payments begin at the time you designate your gift to Pepperdine and are paid monthly, quarterly, semi-annually, or annually

Tax Benefits

  • Receive an immediate charitable deduction that may be used to offset income from the CGA and/or other income
  • Any charitable deduction that cannot be used in the year of the gift may be carried over for up to five additional years
  • The charitable deduction may increase your after-tax spendable income

Relief from Investment and Real Estate Management Responsibilities

  • A CGA reduces your investment and management responsibilities by letting Pepperdine take care of them for you
  • Pepperdine takes the risk that investments will increase or decrease

Gift to Pepperdine

*Stock, cash, or real estate

*Annuity rates based on age of donor

*Higher rates for older donors

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Annuity Payment For Life

*Guaranteed income for life to one or two individuals

*Immediate tax deduction

*Bypass capital gain taxes

*Portion of income is tax-free

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Remainder to Pepperdine

*After lifetime, remainder benefits Pepperdine, its faculty, and students

 

SAMPLE RATES

CALL FOR HIGHER RATES ON GIFTS OF
STOCK OR CASH!

SINGLE MARRIED
Age Rate Age Rate
65 4.7% 65/65 4.2%
70 5.1% 70/70 4.6%
75 5.8% 75/75 5.0%
80 6.8% 80/80 5.7%
85 7.8% 85/85 6.7%
90 9.0% 90/90 8.2%
95 9.0% 95/95 8.8%