通过给予创造收入
Look荷兰国际集团(ing) for a way to generate extra income dur荷兰国际集团(ing) your retirement years while continu荷兰国际集团(ing) to support 卡耐基梅隆大学?
A variety of options such as a charitable annuity, charitable trust or gift to a pooled income fund might fit the bill. These options provide you with 支付 for life, help you reach your retirement and inheritance goals and show your love of the Tartan community.
礼品策划团队办公室 is happy to provide personalized examples of how any of these gifts might work for you and support CMU for generations to come.
慈善年金
This option is a simple and straight-forward agreement between you and 卡耐基梅隆大学. In exchange for a gift of cash or appreciated assets, you receive fixed 支付 for life.
为什么选择慈善年金?
- CMU pays up to two 受益人 of your choice a set amount for life.
- 你可以 provide a beneficial gift to a specific area, program or initiative of your choice.
- You receive fixed annual 支付 — no matter what happens in the market.
- You receive an immediate income tax deduction for a portion of your gift.
- A portion of your payment may be tax-free for a number of years.
- 你可以 创建慈善礼物年金 使用你个人退休账户中的资产.
慈善年金的种类
立即: You or your chosen 受益人 immediately start receiv荷兰国际集团(ing) a fixed payment for life, 其中一些可能是免税的.
延迟: 在特定日期之后, CMU will begin to pay up to two annuitants of your choice, fixed annuity 支付 for life — at a time when you may most want additional cash flow such as in retirement.
灵活: You select a range of dates in the future when you want CMU to begin pay荷兰国际集团(ing) fixed 支付 to you or up to two annuitants of your choice. This is similar to Social Security 支付 in that the longer you wait, the higher the payment.
慈善信托基金
一个慈善信托，更确切地说 慈善剩余信托, you can pursue your philanthropic goals in support of CMU while still generat荷兰国际集团(ing) income for you and your loved ones.
Your trust is highly customizable and can be designed to financially support as many people as you wish and eventually benefit multiple 慈善机构. It can be a particularly attractive plann荷兰国际集团(ing) tool for gifts of hard-to-value assets that have greatly appreciated in value over the years, such as real estate and closely held business interests.
慈善信托如何运作?
- 你选择你的 支付 -每年领取固定年金, a variable amount based upon the value of the trust or other creative options.
- 你选择你的 受益人 -你希望获得持续收入的人.
- 你选择你的 慈善机构 such as CMU and other organizations or priorities who will eventually receive the remain荷兰国际集团(ing) value of the trust.
- 你选择你的 受托人, 其中可能包括银行或信托公司, 一个值得信赖的人, yourself or possibly 卡耐基梅隆大学, 投资和管理信托.
- You enjoy an immediate income tax deduction for a portion of your contribution, 你的资产将被转移到信托基金, 免资本利得税.
更多有关慈善信托基金的资料
- Assets of your trust are not included as part of your estate. Establish荷兰国际集团(ing) this type of trust in your will may help reduce estate taxes.
- Fund荷兰国际集团(ing) a charitable trust with retirement assets may allow your heirs to “stretch” their required 支付 over their lifetimes rather than the IRS-mandated 10-year window for inherited IRAs.
- All assets transferred and sold within the trust do not trigger capital gains tax. This is particularly attractive when sell荷兰国际集团(ing) a highly appreciated asset such as a business or a long-term investment.
慈善信托的种类
年金: An annuity trust pays you the same dollar amount each year that you choose at the start. Your 支付 remain unchanged for life, regardless of fluctuations in trust investments.
Unitrust: A unitrust pays you a variable amount yearly based on a percentage of the value of the trust assets. The amount of your 支付 is recalculated annually. If the value of the trust increases, so do your 支付.
汇集收益基金
A pooled income fund offers you variable income today with an opportunity for future growth — mak荷兰国际集团(ing) it an attractive retirement plann荷兰国际集团(ing) tool for younger donors wish荷兰国际集团(ing) to create a future impact.
为何选择汇集收益基金?
- 类似于共同基金, the fund issues you units and pays annual income for up to two 受益人 for life.
- Your annual income 支付 often exceed current dividend 支付.
- It can be useful for a one-time gift or for mak荷兰国际集团(ing) smaller periodic contributions to increase your retirement interest in the fund over time.
- You may enjoy immediate tax sav荷兰国际集团(ing)s and deductions on the assets you give to CMU.
- It may offer a significantly larger upfront tax deduction than other life income gifts.
This information is for illustration purposes only and should not be considered legal, 会计或其他专业意见. Please consult with your personal legal, tax and financial counsel prior to mak荷兰国际集团(ing) a charitable gift.
华纳圈
If you’ve made a life income gift to Carnegie Mellon or have named CMU in your estate plans, the university is proud to welcome you as a member of 华纳圈 donor recognition society. Let us know you’ve included CMU in your estate or financial plans by 填满荷兰国际集团(ing) 打开我们的网上表格.
电话联络礼品策划： 412-268-5346
