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Your Investment Options

As a Daffy member, you make a commitment to put money aside for causes that you believe in, and Daffy portfolios give your contributions the opportunity to grow over time. Daffy offers Conservative, Standard, ESG, and Crypto portfolios so you can choose investments that match your priorities. But no matter which portfolio you choose, the investment gains are tax-free and increase your giving potential so you can support the causes you care about. Plus, unlike many donor-advised funds, we don’t charge an additional management fee for investment portfolios.

  • Conservative

  • Standard

  • ESG

  • Crypto

Conservative

Conservative portfolios are the best fit for members whose priority is preserving capital over investment returns. These portfolios do not hold equities or crypto, and are comprised solely of cash or inflation-protected bonds.

  • ConservativeCash

    Cash100%
    Short-Term Bonds
    Long-Term Bonds
  • ConservativeShort-Term Bonds

    Cash
    Short-Term Bonds100%
    Long-Term Bonds
  • ConservativeLong-Term Bonds

    Cash
    Short-Term Bonds
    Long-Term Bonds100%

Standard

Portfolios are composed of low-cost Vanguard index funds across a diversified mix of global stocks & bonds. These portfolios are often the best fit for members who are looking for the best risk-adjusted return, net of fees.

  • StandardBalanced

    US Equities40%
    International Equities10%
    US Bonds35%
    International Bonds15%
  • StandardGrowth

    US Equities50%
    International Equities25%
    US Bonds15%
    International Bonds10%
  • StandardAggressive

    US Equities55%
    International Equities35%
    US Bonds5%
    International Bonds5%

ESG

Interested in integrating sustainable investing components—environmental, social, and governance (ESG)—into your investment strategy? We offer 3 low-cost and globally diversified portfolios that are selected for high ESG standards as well as potential returns.

  • ESGConservative

    US Equities40%
    International Equities8%
    Emerging Markets Equities2%
    US Bonds35%
    International Bonds15%
  • ESGModerate

    US Equities50%
    International Equities20%
    Emerging Markets Equities5%
    US Bonds15%
    International Bonds10%
  • ESGAggressive

    US Equities55%
    International Equities25%
    Emerging Markets Equities10%
    US Bonds5%
    International Bonds5%

Crypto

For members who believe crypto is the future of finance, you can dip your toe in the water with our diversified portfolio spread across stocks, bonds, and crypto, or go pure crypto with a Bitcoin/Ethereum split or a pure Bitcoin portfolio.

  • CryptoDiversified

    Bitcoin
    Ethereum
    US Equities50%
    International Equities30%
    US Bonds10%
    International Bonds5%
    Crypto5%
  • CryptoPure Crypto

    Bitcoin67%
    Ethereum33%
    US Equities
    International Equities
    US Bonds
    International Bonds
    Crypto
  • CryptoBitcoin

    Bitcoin100%
    Ethereum
    US Equities
    International Equities
    US Bonds
    International Bonds
    Crypto
Daffy portfolios are managed as fully-invested in the securities outlined above. However, from time to time portfolios may have a small temporary cash balance for liquidity purposes when managing the inflow of contributions and outflow of donations. All current portfolio holdings, including cash, are disclosed to Daffy members on their portfolio page.

Our Investment Philosophy

At Daffy, we know that every penny that you contribute to your fund counts. All of our portfolios are composed of high-quality, low-cost index funds managed by some of the most trustworthy providers in the industry: Vanguard, and BlackRock. Daffy offers a total of 12 different portfolios across four different categories: Conservative, Standard, ESG, and Crypto. For each type of portfolio, Daffy provides several options that vary in terms of risk and volatility, so you can select the portfolio that best matches your own risk tolerance and sensibilities. Unlike many donor-advised funds, we don’t charge an additional management fee for investment portfolios.

  • Conservative

    Conservative portfolios are the best fit for members whose priority is preserving capital over investment returns. These portfolios do not hold equities or crypto, and are comprised solely of cash or inflation-protected bonds. There is no expense ratio for the all-cash portfolio, and the expense ratio for the bond portfolios is very low, ranging between 0.04% to 0.05%.

  • Standard

    Standard portfolios are composed of low-cost and globally diversified index funds provided by Vanguard, one of the most trustworthy providers in the industry. Each portfolio is comprised of a balanced mix of equities and bonds, with separate funds for US and International exposure. Depending on your goals and risk tolerance, you can select from balanced, growth, and aggressive options. The average expense ratio for the ETFs in these portfolios is exceptionally low at 0.05%.

  • ESG

    ESG portfolios are composed of low-cost globally diversified funds that are selected not only for traditional measures of risk and return, but also for environmental, social, and corporate governance (ESG) standards by BlackRock. Daffy has selected funds from iShares by BlackRock for their low-cost and superb reputation. Each portfolio is comprised of a balanced mix of equities and bonds, with separate funds for US and International exposure. You can select from conservative, moderate, and aggressive options. The average expense ratio for the ETFs in these portfolios is very low, ranging between 0.14% to 0.17%.

  • Crypto

    Crypto portfolios are designed for members looking for exposure to crypto in their investments. Daffy has selected Bitwise Investments for their unique crypto index funds for members looking for a diversified portfolio, and Coinbase for direct access to Bitcoin and Ethereum. Daffy offers three options: a diversified option composed of stocks, bonds, and crypto, as well as two pure crypto portfolios, one with Bitcoin & Ethereum, and one with just Bitcoin. The average expense ratio for the diversified portfolio is 0.17%. While there are no expense ratios for direct investments in Bitcoin & Ethereum, the portfolios do include trading costs for these assets.

Please note that the information contained on this page is for educational purposes only and should not be considered advice. To assess your specific situation, please consult with a tax or investment professional. All investments have a certain level of risk associated with them, including the potential to lose value; past performance does not guarantee future results.