Invest your charitable dollars tax‑free
With Daffy, your money doesn’t sit idle. Your contributions are invested tax-free in a portfolio of your choice, so you can send more money to your favorite charities.
Grow your giving potential
Choose from 15 pre-approved, expertly crafted portfolios, or request a custom portfolio to match your investment goals and giving timeline. Our options include Conservative, Standard, and ESG portfolios with high-quality, low-cost index funds from Vanguard, Schwab, and BlackRock. Additionally, our Crypto portfolios feature pure crypto coins at Coinbase and diversified options from Bitwise.
Conservative
Conservative portfolios are ideal for members who regularly contribute and donate from their fund, prioritizing capital preservation over long-term returns. These portfolios consist of cash, treasury, and bond funds from reputable providers such as Dreyfus, Goldman Sachs, iShares, Bloomberg, Vanguard, and Schwab.
Cash  | Inflation-ProtectedBonds  | DiversifiedBonds  | |
|---|---|---|---|
Money Market | 100% | ||
Inflation-Protected BondsVTIP, 0.04% | 30% | ||
Inflation-Protected BondsSCHP, 0.03% | 70% | ||
Treasury BillsGBIL, 0.12% | 30% | ||
Short-Term BondsSCHO, 0.03% | 30% | ||
Corporate BondsSHYG, 0.30% | 20% | ||
Corporate BondsUSHY, 0.08% | 10% | ||
Floating Rate BondsFLRN, 0.15% | 5% | ||
Long-Term BondsVGLT, 0.04% | 5% |
Cash | |
|---|---|
Money Market | 100% |
Inflation-ProtectedBonds | |
|---|---|
Inflation-Protected BondsVTIP, 0.04% | 30% |
Inflation-Protected BondsSCHP, 0.03% | 70% |
DiversifiedBonds | |
|---|---|
Treasury BillsGBIL, 0.12% | 30% |
Short-Term BondsSCHO, 0.03% | 30% |
Corporate BondsSHYG, 0.30% | 20% |
Corporate BondsUSHY, 0.08% | 10% |
Floating Rate BondsFLRN, 0.15% | 5% |
Long-Term BondsVGLT, 0.04% | 5% |
Standard
For members seeking the best risk-adjusted returns net of fees, our Standard portfolios offer low-cost, globally diversified equity and bond index funds from Vanguard, a trusted industry leader.
Balanced  | Growth  | Aggressive  | US Equities  | |
|---|---|---|---|---|
US EquitiesVTI, 0.03% | 40% | 50% | 55% | 100% |
International EquitiesVXUS, 0.07% | 10% | 25% | 35% | |
US BondsBND, 0.03% | 35% | 15% | 5% | |
International BondsBNDX, 0.07% | 15% | 10% | 5% |
Balanced | |
|---|---|
US EquitiesVTI, 0.03% | 40% |
International EquitiesVXUS, 0.07% | 10% |
US BondsBND, 0.03% | 35% |
International BondsBNDX, 0.07% | 15% |
Growth | |
|---|---|
US EquitiesVTI, 0.03% | 50% |
International EquitiesVXUS, 0.07% | 25% |
US BondsBND, 0.03% | 15% |
International BondsBNDX, 0.07% | 10% |
Aggressive | |
|---|---|
US EquitiesVTI, 0.03% | 55% |
International EquitiesVXUS, 0.07% | 35% |
US BondsBND, 0.03% | 5% |
International BondsBNDX, 0.07% | 5% |
US Equities | |
|---|---|
US EquitiesVTI, 0.03% | 100% |
ESG
ESG portfolios are ideal for members who want to incorporate sustainable investing into their strategy, focusing on environmental, social, and governance (ESG) criteria. These portfolios feature low-cost, globally diversified equity and bond funds from iShares by BlackRock, chosen for both traditional risk and return measures as well as ESG standards.
Conservative  | Moderate  | Aggressive  | |
|---|---|---|---|
US EquitiesESGU, 0.15% | 40% | 50% | 55% |
International EquitiesESGD, 0.20% | 8% | 20% | 25% |
Emerging Markets EquitiesESGE, 0.25% | 2% | 5% | 10% |
US BondsEAGG, 0.10% | 35% | 15% | 5% |
International BondsBGRN, 0.20% | 35% | 15% | 5% |
Conservative | |
|---|---|
US EquitiesESGU, 0.15% | 40% |
International EquitiesESGD, 0.20% | 8% |
Emerging Markets EquitiesESGE, 0.25% | 2% |
US BondsEAGG, 0.10% | 35% |
International BondsBGRN, 0.20% | 35% |
Moderate | |
|---|---|
US EquitiesESGU, 0.15% | 50% |
International EquitiesESGD, 0.20% | 20% |
Emerging Markets EquitiesESGE, 0.25% | 5% |
US BondsEAGG, 0.10% | 15% |
International BondsBGRN, 0.20% | 15% |
Aggressive | |
|---|---|
US EquitiesESGU, 0.15% | 55% |
International EquitiesESGD, 0.20% | 25% |
Emerging Markets EquitiesESGE, 0.25% | 10% |
US BondsEAGG, 0.10% | 5% |
International BondsBGRN, 0.20% | 5% |
Crypto
For members who believe in crypto as the future of finance and are willing to embrace more risk, you can choose one of the diversified portfolios from Bitwise, encompassing stocks, bonds, and crypto, or go all-in with a pure crypto portfolio through Coinbase, featuring a Bitcoin/Ethereum split or a single coin option.
DiversifiedConservative  | DiversifiedAggressive  | Bitcoin & Ethereum  | Bitcoin  | Ethereum  | |
|---|---|---|---|---|---|
Bitcoin | 67% | 100% | |||
Ethereum | 33% | 100% | |||
US EquitiesVTI, 0.03% | 36% | 45% | |||
International EquitiesVXUS, 0.08% | 21% | 27% | |||
US BondsBND, 0.03% | 27% | 13% | |||
International BondsBNDX, 0.07% | 11% | 5% | |||
Bitcoin ETFBITB, 0.20% | 10% | ||||
CryptoBITW, 2.50% | 5% |
DiversifiedConservative | |
|---|---|
US EquitiesVTI, 0.03% | 36% |
International EquitiesVXUS, 0.08% | 21% |
US BondsBND, 0.03% | 27% |
International BondsBNDX, 0.07% | 11% |
CryptoBITW, 2.50% | 5% |
DiversifiedAggressive | |
|---|---|
US EquitiesVTI, 0.03% | 45% |
International EquitiesVXUS, 0.08% | 27% |
US BondsBND, 0.03% | 13% |
International BondsBNDX, 0.07% | 5% |
Bitcoin ETFBITB, 0.20% | 10% |
Bitcoin & Ethereum | |
|---|---|
Bitcoin | 67% |
Ethereum | 33% |
Bitcoin | |
|---|---|
Bitcoin | 100% |
Ethereum | |
|---|---|
Ethereum | 100% |
Custom
You can tailor your portfolio to match your unique giving goals and maximize your charitable impact. With hundreds of low-cost ETFs from reputable providers like Vanguard, iShares, Fidelity, and Bitwise, you can propose a custom portfolio for your Daffy fund with up to 10 different ETFs.
Frequently Asked Questions
Are there any hidden fees?
No, our membership dues cover everything! Unlike many donor-advised funds, Daffy does not charge an additional management fee for its investment portfolios. Our investment portfolios have standard expense ratios that are charged directly by the investment providers themselves. You can find these expense ratios in the parentheses next to the ticker symbol above.Can I change my portfolio?
Yes, you can request to change your portfolio at any time. Just go into Settings, select “Portfolio,” and choose a new portfolio.How frequently are the portfolios rebalanced?
Our portfolio rebalancer runs every day that the markets are open, and will ensure that the portfolio returns to its designated allocation, but it can occasionally take a day or two depending on the market hours.
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.
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. All yields and expense ratios are as of 6/30/2024. Yield is the SEC 30-day yield provided by each fund manager.