Deferred Charitable Gift Annuity

Support Elderhostel and Exploritas programs, receive fixed income for life

Benefits of a Deferred Charitable Gift Annuity

Fixed income for life that is unaffected by interest rates.
Higher payout rate by deferring your payments.
Large charitable income tax deduction in the year you fund your gift.
Satisfaction of supporting Elderhostel and lifelong learning.

A Deferred Charitable Gift Annuity sets up a simple contract between you and Elderhostel. In exchange for your gift, Elderhostel will pay you a fixed income for your life, and/or that of a loved one. Payments begin when you need income the most. Your gift will help Elderhostel provide programs in the future that are stimulating, enriching and contribute to healthy aging.

Each Deferred Charitable Gift Annuity can benefit one or two adults, who are age 55 or older, when the Deferred Gift Annuity is funded.

A Deferred Charitable Gift Annuity may be right for you if you want to increase your retirement income, or are planning for your future financial security.

How it works.

You transfer cash, stock, or real estate to Elderhostel.
You benefit from an immediate income tax deduction, and can save on capital gains tax.
Deferring income payments for a year or more increases the amount of income you will receive, for life.

Why now?

Establishing maximum secure income for the future can give you peace of mind.

To read examples of ways a deferred charitable gift annuity may help you meet your financial and charitable goals, click here.

Sample Deferred Gift Annuity Rates

Current Age	Immediate Payout	5 Yr. Deferral	10 Yr. Deferral
65	5.3%	7.0%	9.5%
70	5.7%	7.7%	10.7%
75	6.3%	8.7%	12.2%

Elderhostel follows the charitable gift annuity rates recommended by the American Council on Gift Annuities (ACGA). The above rates are samples of the current rates, effective as of 2/1/09. These rates are subject to change and are for illustrative purposes only.

Please use our Planned Giving Calculator to calculate the income and tax benefits to which you may be entitled if you establish a charitable gift annuity with Elderhostel.

To receive a complete packet of information and calculations personalized for your situation, please contact Anne Forsyth, Senior Planned Giving Officer, at anne.forsyth@elderhostel.org or call toll-free (877) 737-0664.

As with any matter of this nature, we suggest you consult your attorney or tax advisor. The information presented here is not intended to be legal or tax advice.