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Deferred Gift Annuity: The Details

You can make a gift and receive guaranteed fixed payments for life.
Deferred payments are higher than an immediate payment annuity as well as many securities and CDs. They are ideal to supplement other retirement income.

Is this gift right for you?

A deferred gift annuity is for you if ...

  • You are in high earnings years, looking for both income tax savings now and an additional source of revenue when you retire.
  • You want to make a significant gift to us and receive payments in return.
  • You want to maximize the payments you receive from your planned gift — and you want to lower your income tax on those payments.
  • You want the security of payments that won't fluctuate during your lifetime.
  • You also appreciate the safety of your payments being a general financial obligation of Yale.

This version of the charitable gift annuity is especially designed for younger donors. Called the deferred gift annuity, it makes fixed annual payments to you and/or another beneficiary for life, with payments commencing at a future date. Because of the deferral of income:

These two features make the deferred gift annuity quite attractive to donors in high-earnings years who are concerned about securing both current tax deductions and additional sources of retirement income.

Use a deferred gift annuity to help plan for retirement

Many donors establish a series of deferred annuities over several years, using funds they had already set aside for retirement saving. They set the commencement date for payments from these annuities to coincide with their or their spouse's retirement.

Planning points

The deferred gift annuity offers the same benefits of simplicity, security, and attractive income deductions that the regular gift annuity provides our donors: