How to help: Hurricane Helene and Hurricane Milton guidance
Time is running out to make tax-deductible contributions in 2024. Review our year-end contribution guidelines.
The Fidelity Charitable Giving Account has no minimum initial contribution requirement and one of the lowest annual fees of any donor-advised fund. Total fees for a Giving Account typically amount to about 1% of the balance. That's generally less than the operating costs associated with a private foundation or the fees for donating with a credit card.
Initial
contribution
No minimum
Account balance + additional contributions
No minimum
Minimum
grant
$50
We make charitable giving accessible, simple, and effective. That's why we have no minimum to open an account and offer the ability to support as many charities as you'd like.
Administrative fee + Investment fee = Total fees
0.60% or $100
The Giving Account is generally assessed an annual administrative fee of 0.60% or $100, whichever is greater. Administrative fees are tiered* according to the balance in your Giving Account and help us provide leading technology and services, such as:
Use this calculator to estimate the annual administrative fees for a Fidelity Charitable Giving Account. Just enter the Giving Account balance you expect to maintain and select Calculate fee.
Review our Program Guidelines for a full explanation of the administrative fees.
0.015% to 0.91%
The ability for your contribution to be invested and potentially grow tax-free is a key benefit of a donor-advised fund. Fidelity Charitable provides a variety of investment pools to choose from, and each is subject to the varying operating and management expenses of the mutual funds that comprise each pool. The expense ratios listed below reflect the fees assessed by the underlying funds of the pools.
Asset Allocation Pools
| Investment pool | Gross expense ratio | Net expense ratio |
|---|---|---|
| Investment pool Asset Allocation 85% Equity Pool | Gross expense ratio 0.58% | Net expense ratio 0.58% |
| Investment pool Asset Allocation 70% Equity Pool | Gross expense ratio 0.57% | Net expense ratio 0.57% |
| Investment pool Asset Allocation 60% Equity Pool | Gross expense ratio 0.59% | Net expense ratio 0.59% |
| Investment pool Asset Allocation 50% Equity Pool | Gross expense ratio 0.48% | Net expense ratio 0.48% |
| Investment pool Asset Allocation 40% Equity Pool | Gross expense ratio 0.48% | Net expense ratio 0.48% |
| Investment pool Asset Allocation 30% Equity Pool | Gross expense ratio 0.48% | Net expense ratio 0.48% |
| Investment pool Asset Allocation 20% Equity Pool | Gross expense ratio 0.46% | Net expense ratio 0.46% |
Index Pools
| Investment pool | Gross expense ratio | Net expense ratio |
|---|---|---|
| Investment pool Domestic stock: total market index | Gross expense ratio 0.015% | Net expense ratio 0.015% |
| Investment pool Foreign stock: international index | Gross expense ratio 0.035% | Net expense ratio 0.035% |
| Investment pool Bond: U.S. bond index | Gross expense ratio 0.025% | Net expense ratio 0.025% |
Single Asset Class Pools
| Investment pool | Gross expense ratio | Net expense ratio |
|---|---|---|
| Investment pool Domestic stock: U.S. equity | Gross expense ratio 0.36% | Net expense ratio 0.36% |
| Investment pool Domestic stock: U.S. equity access | Gross expense ratio 0.47% | Net expense ratio 0.44% |
| Investment pool Foreign stock: international equity | Gross expense ratio 0.72% | Net expense ratio 0.72% |
| Investment pool Foreign stock: international equity access | Gross expense ratio 0.67% | Net expense ratio 0.67% |
| Investment pool Bond: fixed income | Gross expense ratio 0.39% | Net expense ratio 0.36% |
| Investment pool Bond: fixed income access | Gross expense ratio 0.51% | Net expense ratio 0.51% |
| Investment pool Bond: short-term fixed income access | Gross expense ratio 0.34% | Net expense ratio 0.34% |
| Investment pool Inflation Protected Bond Index Pool | Gross expense ratio 0.05% | Net expense ratio 0.05% |
| Investment pool Money market 1 | Gross expense ratio 0.18% | Net expense ratio 0.14% |
Sustainable and Impact Investing Pools
| Investment pool | Gross expense ratio | Net expense ratio |
|---|---|---|
| Investment pool Sustainable U.S. Bond Index Pool | Gross expense ratio 0.10% | Net expense ratio 0.10% |
| Investment pool Sustainable U.S. Index Pool | Gross expense ratio 0.11% | Net expense ratio 0.11% |
| Investment pool Sustainable U.S. Index Access Pool | Gross expense ratio 0.18% | Net expense ratio 0.18% |
| Investment pool Sustainable International Index Pool | Gross expense ratio 0.20% | Net expense ratio 0.20% |
| Investment pool Environmental Impact Access Pool | Gross expense ratio 0.91% | Net expense ratio 0.91% |
Charitable Legacy Pool
| Investment pool | Gross expense ratio | Net expense ratio |
|---|---|---|
| Investment pool Charitable Legacy Pool | Gross expense ratio 0.69% | Net expense ratio 0.68% |
1The underlying mutual fund investment(s) of the Money Market Pool have an expense cap in place. An expense cap is a limit that Fidelity has placed on the level of the expenses borne by the fund. The cap is voluntary and indicates the maximum level of expenses (with certain exceptions) that the fund would be paying at that time. The Expense Cap may be terminated or revised at any time, which may lower the fund’s yield and return.
See the hypothetical examples below for how the Giving Account administrative fee and fees from the underlying investments are calculated based on the Giving Account balance.
|
Account balance |
Administrative fee* |
Investment fee** |
Total fee |
Hypothetical investment growth*** |
|---|---|---|---|---|
|
Account balance $10,000 |
Administrative fee* $100 |
Investment fee** $46 |
Total fee $146 |
Hypothetical investment growth*** $1,272 |
|
Account balance $100,000 |
Administrative fee* $600 |
Investment fee** $460 |
Total fee $1,060 |
Hypothetical investment growth*** $12,721 |
|
Account balance $250,000 |
Administrative fee* $1,500 |
Investment fee** $1,150 |
Total fee $2,650 |
Hypothetical investment growth*** $31,803 |
|
Account balance $500,000 |
Administrative fee* $3,000 |
Investment fee** $2,300 |
Total fee $5,300 |
Hypothetical investment growth*** $63,605 |
*Additional fees may apply for Giving Accounts enrolled in the Charitable Investment Advisor Program.
**Based on investment in the Asset Allocation 20% Equity Pool for one year. While the investment fees will vary depending on how the Giving Account balance is allocated, the administrative fee is only based on the balance itself. View all investment options
***Based on the average annual one-year return from the Asset Allocation 20% Equity Pool for October 31, 2024. View all pool performance
The fees in this chart are based on an average annual balance in your Giving Account for one year. If you recommend grants that reduce this amount, the balance in your Giving Account will be assessed accordingly. The administrative fee is assessed by Fidelity Charitable and covers our costs, whereas the investment fee is dependent on the underlying fund(s) in each pool. Additional average annual returns:
Additional average annual returns:
| Performance of | Average annual | |||
|---|---|---|---|---|
| 1 yr | 3 yr | 5 yr | 10 yr | |
| Performance of Asset Allocation 20% Equity Pool 1 | Average annual 1 yr 12.72% | Average annual 3 yr 0.17% | Average annual 5 yr 2.61% | Average annual 10 yr 2.85% |
|
Performance of
Underlying Fund: Fidelity Asset Manager 20% |
Average annual 1 yr 13.39% | Average annual 3 yr 0.76% | Average annual 5 yr 3.25% | Average annual 10 yr 3.46% |
1Pool created 07/01/2011; therefore, historic performance is not available for earlier periods. On 3/28/2024, Fidelity Charitable renamed the asset allocation pools with no change to the underlying mutual fund. The asset allocation pool renaming did not impact pool results. Pool is 100% invested in the underlying mutual fund displayed beneath the pool. Pool results will include a Fidelity Charitable annual administrative fee as described in the Program Guidelines and will therefore differ from the results of the underlying mutual fund.
See the Fidelity Charitable Giving Account Guide for complete fee details.
Ready to get started?
Opening a Giving Account is fast and easy, and there is no minimum initial contribution.
Or call us at 800-262-6039
