|
Gift Planning
- Annuities
A Simple Gift That Provides You, Or Others, With Income
A Charitable Gift Annuity represent the most commonly used gift that allows you to transfer assets to Webster University while continuing to receive income from those assets. Benefits to you might include:
- A guaranteed fixed-rate lifetime income for one or two individuals,
- Partially tax-free income for a number of years,
- An immediate charitable deduction,
- Reduction in capital gain tax,
- Remove – wholly or partially – those assets from your taxable estate, and
- Professional management of assets.
Annuities & Deferred Income
Charitable Gift Annuities can also defer income to a specific future date – or a date you later select. This election might include the following heightened benefits:
- An increased charitable deduction,
- An increased income once payments begin, and
- An additional retirement-building tool for those already contributing the maximum tax-deferred amount to their existing retirement plan.
What Benefits Might Be Available To Me Through An Annuity?
|
ANNUITY RATES AND BENEFITS
$10,000 GIFT OF CASH
|
| AGE |
RATE
|
CHARITABLE
DEDUCTION2
|
ANNUAL TAX-
FREE INCOME2
|
ANNUAL ORDINARY INCOME2
|
TOTAL ANNUAL
INCOME
|
| 65 |
6.0%
|
$4,131
|
$295
|
$305
|
$600
|
| 70 |
6.5%
|
$4,427
|
$350
|
$300
|
$650
|
| 75 |
7.1%
|
$4,808
|
$419
|
$291
|
$710
|
| 80 |
8.0%
|
$5,192
|
$511
|
$289
|
$800
|
| 85 |
9.5%
|
$5,474
|
$666
|
$284
|
$950
|
| 90 |
11.3%
|
$5,885
|
$840
|
$290
|
$1,130
|
| 95 |
11.3%
|
$6,857
|
$873
|
$257
|
$1,130
|
| 65/65 |
5.6%
|
$3,418
|
$264
|
$296
|
$560
|
| 70/70 |
5.9%
|
$3,754
|
$304
|
$286
|
$590
|
| 75/75 |
6.3%
|
$4,154
|
$357
|
$273
|
$630
|
| 80/80 |
6.9%
|
$4,585
|
$426
|
$264
|
$690
|
| 85/85 |
7.9%
|
$4,948
|
$532
|
$258
|
$790
|
| 90/90 |
9.3%
|
$5,330
|
$667
|
$263
|
$930
|
| 95/95 |
11.1%
|
$5,659
|
$835
|
$275
|
$1,110
|
|
DEFERRED ANNUITY RATES AND BENEFITS
$10,000 GIFT OF CASH
|
| CUR. AGE |
DEFERRAL PERIOD
|
RATE
|
CHARITABLE DEDUCTION2
|
ANNUAL TAX- FREE INCOME2
|
ANNUAL ORDINARY INCOME2
|
TOTAL ANNUAL INCOME
|
| 50 |
5 yrs
|
7.0%
|
$4,023
|
$210
|
$490
|
$700
|
| 50 |
10 yrs
|
9.4%
|
$4,810
|
$215
|
$725
|
$940
|
| 50 |
15 yrs
|
12.8%
|
$5,628
|
$220
|
$1,060
|
$1,280
|
| 55 |
5 yrs
|
7.3%
|
$4,390
|
$233
|
$497
|
$730
|
| 55 |
10 yrs
|
9.9%
|
$5,294
|
$237
|
$753
|
$990
|
| 65 |
5 yrs
|
8.3%
|
$5,273
|
$297
|
$533
|
$830
|
| 65 |
10 yrs
|
11.7%
|
$6,436
|
$288
|
$882
|
$1,170
|
| 55/55 |
10 yrs
|
9.2%
|
$4,350
|
$227
|
$693
|
$920
|
| 60/60 |
5 yrs
|
7.1%
|
$3,989
|
$241
|
$469
|
$710
|
| 65/65 |
5 yrs
|
7.5%
|
$4,390
|
$274
|
$476
|
$750
|
2Calculations represent a gift completed during
June 2006. Webster’s gift planning staff can provide you with the exact benefits available to you.
For more information contact
Ken Nickless - Gift Planning Officer at 314.968.7146.
|
