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
Cash 100%
Short-Term Bonds
Long-Term Bonds
ConservativeShort-Term Bonds
Cash
Short-Term Bonds 100%
Long-Term Bonds
ConservativeLong-Term Bonds
Cash
Short-Term Bonds
Long-Term Bonds 100%

Cash	100%
Short-Term Bonds		100%
Long-Term Bonds			100%

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 Equities 40%
International Equities 10%
US Bonds 35%
International Bonds 15%
StandardGrowth
US Equities 50%
International Equities 25%
US Bonds 15%
International Bonds 10%
StandardAggressive
US Equities 55%
International Equities 35%
US Bonds 5%
International Bonds 5%

US Equities	40%	50%	55%
International Equities	10%	25%	35%
US Bonds	35%	15%	5%
International Bonds	15%	10%	5%

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 Equities 40%
International Equities 8%
Emerging Markets Equities 2%
US Bonds 35%
International Bonds 15%
ESGModerate
US Equities 50%
International Equities 20%
Emerging Markets Equities 5%
US Bonds 15%
International Bonds 10%
ESGAggressive
US Equities 55%
International Equities 25%
Emerging Markets Equities 10%
US Bonds 5%
International Bonds 5%

US Equities	40%	50%	55%
International Equities	8%	20%	25%
Emerging Markets Equities	2%	5%	10%
US Bonds	35%	15%	5%
International Bonds	15%	10%	5%

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 Equities 50%
International Equities 30%
US Bonds 10%
International Bonds 5%
Crypto 5%
CryptoPure Crypto
Bitcoin 67%
Ethereum 33%
US Equities
International Equities
US Bonds
International Bonds
Crypto
CryptoBitcoin
Bitcoin 100%
Ethereum
US Equities
International Equities
US Bonds
International Bonds
Crypto
CryptoEthereum
Bitcoin
Ethereum 100%
US Equities
International Equities
US Bonds
International Bonds
Crypto

Bitcoin		67%	100%
Ethereum		33%		100%
US Equities	50%
International Equities	30%
US Bonds	10%
International Bonds	5%
Crypto	5%

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 13 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.

Investments details

Conservative Portfolios
Asset Class Security Ticker Expense Ratio
Short-Term Bonds Vanguard Short-Term Inflation-Protected Securities ETF VTIP 0.04%
Long-Term Bonds Schwab U.S. TIPS ETF SCHP 0.04%
Cash 0%

Asset Class	Security	Ticker	Expense Ratio
Short-Term Bonds	Vanguard Short-Term Inflation-Protected Securities ETF	VTIP	0.04%
Long-Term Bonds	Schwab U.S. TIPS ETF	SCHP	0.04%
Cash			0%

Standard Portfolios

Asset Class	Security	Ticker	Expense Ratio
US Equities	Vanguard Total Market ETF	VTI	0.03%
International Equities	Vanguard Total International Stock	VXUS	0.07%
US Bonds	Vanguard Total Bond Market	BND	0.03%
International Bonds	Vanguard Total International Bond	BNDX	0.07%
Cash			0%

ESG Portfolios

Asset Class	Security	Ticker	Expense Ratio
US Equities	iShares ESG Aware MSCI USA	ESGU	0.15%
International Equities	iShares ESG Aware MSCI EAFE	ESGD	0.20%
Emerging Markets Equities	iShares ESG Aware MSCI EM	ESGE	0.25%
US Bonds	iShares ESG Aware U.S. Aggregate Bond	EAGG	0.10%
International Bonds	iShares Global Green Bond	BGRN	0.20%
Cash			0%

Crypto Portfolios

Asset Class	Security	Ticker	Expense Ratio
Bitcoin	Bitcoin	BTC	0%
Ethereum	Ethereum	ETH	0%
US Equities	Vanguard Total Market ETF	VTI	0.03%
International Equities	Vanguard Total International Stock	VXUS	0.07%
US Bonds	Vanguard Total Bond Market	BND	0.03%
International Bonds	Vanguard Total International Bond	BNDX	0.07%
Crypto	Bitwise 10 Crypto Index	BITW	2.5%
Cash			0%

Conservative

Standard

ESG

Crypto

Conservative

ConservativeCash

ConservativeShort-Term Bonds

ConservativeLong-Term Bonds

Standard

StandardBalanced

StandardGrowth

StandardAggressive

ESG

ESGConservative

ESGModerate

ESGAggressive

Crypto

CryptoDiversified

CryptoPure Crypto

CryptoBitcoin

CryptoEthereum

Our Investment Philosophy

Investments details

Conservative Portfolios

Standard Portfolios

ESG Portfolios

Crypto Portfolios