Market movements can indeed impact your Daffy fund, as the value of your fund may fluctuate with the ups and downs of the market. However, Daffy has taken measures to ensure that you can manage your risk effectively. If you're concerned about market volatility, Daffy offers three conservative portfolios made up of cash or bonds. These portfolios are designed to cater to different risk appetites: a cash portfolio for those who prefer no market risk, and two inflation-protected bond portfolios for those concerned about high inflation rates. Remember, you can change your investment portfolio at any time by simply emailing us at support@daffy.org. Importantly, changes in your Daffy balance due to market fluctuations will not affect your tax deduction, as your contribution is tax-deductible at the initial contribution. Plus, any investment gains are tax-free, allowing you to make a greater impact on the causes you care about most. Daffy is more than just a fund; it's a community built around the commitment to give. We offer a variety of ways to contribute, including through your linked bank account, Apple Pay, and direct contributions of publicly traded stock and Bitcoin. Once your money arrives at Daffy, it's invested to grow your potential impact over time. When setting up your Daffy fund, you can choose from nine different portfolios, categorized into Standard, ESG, and Crypto. Each category offers portfolios ranging from conservative to aggressive, ensuring every member can find an option that suits their needs. All our Standard and ESG portfolios are globally diversified across equities and bonds, and are built from high-quality, low-cost funds. In conclusion, Daffy provides a flexible and tax-efficient way to grow your charitable impact over time, while offering options to manage market risk. Whether you prefer cash, bonds, or even crypto, Daffy has the right portfolio for you.