If you've ever wondered, "What happens if my Daffy fund has less than I contributed due to market movement?" you're not alone. Market fluctuations are a reality of investing, and it's possible that your Daffy fund may have less than you contributed at any given time due to these movements. However, Daffy is designed to be a flexible and resilient option for a Donor-Advised Fund (DAF), even in the face of market volatility. Daffy understands that some members may desire less risk in their charitable giving account. To accommodate this, Daffy offers three conservative portfolios made up of cash or bonds. These portfolios are designed to suit every Daffy member's giving plans, with a cash portfolio for those who don’t want to take any market risk, and two inflation-protected bond portfolios for those concerned about high rates of inflation. Changing your investment portfolio is as simple as sending an email to support@daffy.org. And remember, your initial contribution is tax-deductible, and changes in your Daffy balance due to market fluctuations will not change your tax deduction. Plus, any investment gains are tax-free, meaning a greater impact on the organizations and causes you care about most. Daffy is more than just a DAF. It's a community built around the commitment to give, not the amount you give. Daffy supports a variety of ways to contribute, including through your linked bank account, Apple Pay, and even direct contributions of publicly traded stock and Bitcoin. Once your money arrives at Daffy, it's put to work. Daffy invests your money so that your potential impact grows with your portfolio. Over time, this means that in many cases you will be able to make more donations over time. When you set up your Daffy fund, you can choose from nine different portfolios, separated into three categories: Standard, ESG, and Crypto. Each category features portfolios that range from conservative to aggressive, so that every member can pick the option that best suits their needs. In conclusion, while market movements can impact your Daffy fund, Daffy offers a range of options to manage risk and grow your impact. With its variety of portfolios and flexible contribution options, Daffy is a great choice for a DAF.