Gift Account Investment Options
When your Gift Account balance reaches $20,000 NZD or more, you can choose to invest your funds to grow your charitable giving power. Your donations can earn returns tax-free until you’re ready to grant them, helping you create a bigger impact over time.
Choosing the Right Option
Before selecting an investment option, consider:
Time Horizon
If you plan to grant most funds within five years, a lower-risk approach like term deposits may suit you. For longer-term giving, a diversified portfolio can help your funds grow.
Risk Tolerance
Investment values can go up and down. Our pooled funds are designed for long-term performance, but if you prefer certainty, term deposits may be a better fit.
Term Deposits
This is our default option, so if you don’t let us know your investment preferences, your funds will be added to our term deposit pool. Your funds are pooled with other donors in a series of rolling term deposits. This gives you:
- Guaranteed but modest growth
- Minimal risk of capital loss
- Simple, stable management
This option is best for donors who plan to grant funds in the short-to-medium term and prefer capital stability.
Socially Responsible Investment (SRI) Funds
For donors with a longer time horizon, our pooled SRI funds offer diversified, ethical investment options:
Growth SRI Fund
- 80% equities and property, 20% fixed income and cash
- Higher return potential over 10+ years
- Expected higher short-term volatility
- Projected annual return (after fees): 6.12%
Conservative SRI Fund
- 30% equities and property, 70% fixed income and cash
- Lower volatility and steadier returns over five+ years
- Projected annual return (after fees): 5.16%
Both funds exclude investments in weapons, tobacco, gambling, fossil fuels, pornography, child labour, and factory farming. Funds are managed by Bloomsbury Associates, with FNZ as custodian.
Learn About Our Investment Options
Adviser-Managed Portfolio
If you work with a financial adviser, you may choose to have them manage your Gift Account funds according to a strategy you design together. We review and approve all adviser-managed investment plans to ensure they meet our guidelines.
Key Benefits of Investing
- Grow your charitable funds tax-free
- Align your investments with your values (via SRI funds)
- Choose the level of risk that suits your giving timeline
- Keep full flexibility on when and how you grant funds
Ready to Grow Your Giving?
Work with us to select the best investment option for your goals.
