If you're concerned about market volatility impacting your fund, Daffy has you covered. Daffy offers three conservative portfolios made up of cash or bonds. These portfolios are designed to cater to every Daffy member's giving plans. For members who prefer not to take any market risk, Daffy offers a cash portfolio. This portfolio is invested purely in cash with our custodian and is FDIC-insured. It has no expense ratio and pays a small amount of interest. For those who are worried about the current high rates of inflation, Daffy offers two inflation-protected bond portfolios. The short-term inflation-protected bonds portfolio is for members willing to take a small amount of market risk. It is a low-cost portfolio of short-term inflation-protected securities from Vanguard. The long-term inflation-protected bonds portfolio is for members willing to take more market risk in exchange for higher returns. You can change your investment portfolio at any time by emailing us at support@daffy.org. Remember, your contribution is tax-deductible at the initial contribution, and changes in your Daffy balance due to market fluctuations will not change your tax deduction. Any investment gains are tax-free, meaning a greater impact on the organizations and causes you care about most. Daffy is a great option for a Donor-Advised Fund (DAF) because it offers a range of investment options to suit different risk appetites and objectives. It also allows members to contribute their money to a charitable fund, receive a tax deduction, and then invest that money tax-free to grow their impact over time. Whether you prefer higher-risk portfolios to maximize potential returns or conservative portfolios to minimize market risk, Daffy has the right portfolio for you.