Pooled Income Fund

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Pooled Income Funds

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Pooled Income Fund
Pooled Income Fund (n. - definition) - an investment fund used in charitable gifting in which the investor (or named recipients) receives income for life and the remainder is irrevocably given to charity.
Pooled Income Fund

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  • Pooled Income Funds afford charitably inclined individuals, corporations and organizations some very compelling advantages versus other direct gift giving alternatives.

  • After considering other alternative methods of gifting, Pooled Income Funds can be very advantageous and efficacious for many situations.

  • There are prototype Pooled Income Funds available, or a Charity or Not For Profit organization can hire an attorney to construct and write the legal documents necessary to create a Pooled Income Fund.

  • Assets are irrevocably placed in the charity's Pooled Income Fund naming the charity as the eventual recipient of the asset values upon the death of the last named lifetime income beneficiary.

  • All the income earnings within the Pooled Income Fund are paid from the Fund to the donor or donor's name income beneficiary for life.

  • These income payments are variable and taxable.

  • The donor of the assets placed in the Pooled Income Fund receives a current tax deduction for the donation and they avoid any and all capital gains on the donated assets.

  • The amount of tax deduction associated with the donation depends on the age of the last income recipient and the amount of income paid from the Pooled Income Fund.

  • Once a donation is accepted into the Pooled Income Fund the control of the assets are controlled by the Pooled Income Fund's appointed trustee.

  • A donor or income recipient cannot be a trustee.

  • Potentially significantly higher lifetime income to the donor, and/or other named lifetime income beneficiaries.

  • Potential to replace the gifted value to other intended heirs on a tax free basis, with one of several cost effective insurance related strategies.

  • Partial or full elimination of the asset gifted from Federal Estate Tax calculations upon the death of the donor.

  • Significantly benefit your favorite charity(s) sometime in the future.

  • Generally, this concept works for everyone with appreciated assets; however, each situation is different and unique and there are a number of variables which enter in the calculations based on age, tax bracket, income payout percentages.

  • Depending on how a Pooled Income Fund was setup, a Pool Income Fund can be structured to payout a number of ways: "level income now and in the future", "low income now and moderately higher income later", "very low income now and potentially very substantially higher income in the future" etc.

  • All Mutual Funds, Variable Annuities and Variable Life Insurance policies are offered by prospectus ONLY. For complete information including charges and expenses obtain a prospectus, and read it carefully before you invest.

  • Mutual Fund, Variable Annuity and Variable Life prospectuses are available directly from the issuing companies, is included when product information is requested, and in some cases, they be downloaded directly on the issuing company's internet website.

  • Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit.

  • All of these investments can lose money.

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Copyright © 1998-2007. Pooled Income Fund Information Guide. All rights reserved.

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