Your Investment Options

As a Daffy member, you put money aside for charities and causes that you believe in. Your money doesn’t sit idle as it may be invested tax-free in one of our 14 investment portfolios, giving your contributions the opportunity to grow over time.

We offer Conservative, Standard, and ESG portfolios made up of high-quality, low-cost index funds managed by some of the most trustworthy providers in the industry: Vanguard, Schwab, and BlackRock. Additionally, we offer Crypto portfolios that hold pure crypto coins at Coinbase or a diversified crypto index from Bitwise. For each type of portfolio, we provide several options that vary in terms of risk and volatility, so you can select the portfolio that best matches your own risk tolerance and giving goal and timeline.

Unlike many donor-advised funds, we don’t charge an additional management fee for these investment portfolios.

Conservative

Conservative portfolios are the best fit for members who are regularly contributing and donating the balance of their fund and are more interested in preserving capital over long-term investment returns. These portfolios are comprised of cash, treasury, and bond funds from Dreyfus, Goldman Sachs, iShares, Bloomberg, Vanguard and Schwab.

  • ConservativeCash

    MONEY MARKETDreyfus Government Cash Management (DGUXX, Yield 4.43%)
    100%
  • ConservativeInflation-Protected Securities

    Inflation-Protected BondsVanguard Short‑Term Inflation‑Protected (VTIP, 0.04%)
    30%
    Inflation-Protected BondsSchwab U.S. TIPS ETF (SCHP, 0.03%)
    70%
  • ConservativeDiversified Bonds

    Treasury BillsGoldman Sachs Access Treasury 0‑1 Year (GBIL, 0.12%)
    30%
    Short-Term BondsSchwab Short-Term U.S. Treasury (SCHO, 0.03%)
    30%
    Corporate BondsiShares 0-5 Year High Yield Corporate Bond (SHYG, 0.30%)
    20%
    Corporate BondsiShares Broad USD High Yield Corporate Bond (USHY, 0.08%)
    10%
    Floating Rate BondsSPDR Bloomberg Investment Grade Floating Rate (FLRN, 0.15%)
    5%
    Long-Term BondsVanguard Long-Term Treasury Index Fund (VGLT, 0.04%)
    5%

Standard

Standard portfolios are the best fit for members who are looking for the best risk-adjusted returns, net of fees. These portfolios are composed of low-cost, globally diversified equity and bond index funds provided by Vanguard, one of the most trustworthy providers in the industry.

  • StandardBalanced

    US EquitiesVanguard Total Stock Market (VTI, 0.03%)
    40%
    International EquitiesVanguard Total Intl Stock (VXUS, 0.07%)
    10%
    US BondsVanguard Total Bond Market (BND, 0.035%)
    35%
    International BondsVanguard Total Intl Bond (BNDX, 0.08%)
    15%
  • StandardGrowth

    US EquitiesVanguard Total Stock Market (VTI, 0.03%)
    50%
    International EquitiesVanguard Total Intl Stock (VXUS, 0.07%)
    25%
    US BondsVanguard Total Bond Market (BND, 0.035%)
    15%
    International BondsVanguard Total Intl Bond (BNDX, 0.08%)
    10%
  • StandardAggressive

    US EquitiesVanguard Total Stock Market (VTI, 0.03%)
    55%
    International EquitiesVanguard Total Intl Stock (VXUS, 0.07%)
    35%
    US BondsVanguard Total Bond Market (BND, 0.035%)
    5%
    International BondsVanguard Total Intl Bond (BNDX, 0.08%)
    5%
  • StandardUS Equities

    US EquitiesVanguard Total Stock Market (VTI, 0.03%)
    100%

ESG

ESG portfolios are best fit for members who want to integrate sustainable investing components - environmental, social, and governance (ESG) - into their investment strategy. These portfolios are comprised of low-cost, globally diversified equity and bond funds from iShares by BlackRock that are selected not only for traditional measures of risk and return, but also for ESG standards.

  • ESGConservative

    US EquitiesiShares ESG Aware MSCI USA (ESGU, 0.15%)
    40%
    International EquitiesiShares ESG Aware MSCI EAFE (ESGD, 0.20%)
    8%
    Emerging Markets EquitiesiShares ESG Aware MSCI EM (ESGE, 0.25%)
    2%
    US BondsiShares ESG Aware U.S. Agg Bond (EAGG, 0.10%)
    35%
    International BondsiShares USD Green Bond (BGRN, 0.20%)
    15%
  • ESGModerate

    US EquitiesiShares ESG Aware MSCI USA (ESGU, 0.15%)
    50%
    International EquitiesiShares ESG Aware MSCI EAFE (ESGD, 0.20%)
    20%
    Emerging Markets EquitiesiShares ESG Aware MSCI EM (ESGE, 0.25%)
    5%
    US BondsiShares ESG Aware U.S. Agg Bond (EAGG, 0.10%)
    15%
    International BondsiShares USD Green Bond (BGRN, 0.20%)
    10%
  • ESGAggressive

    US EquitiesiShares ESG Aware MSCI USA (ESGU, 0.15%)
    55%
    International EquitiesiShares ESG Aware MSCI EAFE (ESGD, 0.20%)
    25%
    Emerging Markets EquitiesiShares ESG Aware MSCI EM (ESGE, 0.25%)
    10%
    US BondsiShares ESG Aware U.S. Agg Bond (EAGG, 0.10%)
    5%
    International BondsiShares USD Green Bond (BGRN, 0.20%)
    5%

Crypto

Crypto portfolios are best fit for members who believe crypto is the future of finance and are willing to take on more risk with their funds. You can dip your toe in the water with our diversified portfolio spread across stocks, bonds, and crypto provided by Bitwise Investments, or go pure crypto with either a Bitcoin/Ethereum split or a single coin portfolio through Coinbase.

  • CryptoDiversified

    US EquitiesVanguard Total Stock Market (VTI, 0.03%)
    50%
    International EquitiesVanguard Total Intl Stock (VXUS, 0.07%)
    30%
    US BondsVanguard Total Bond Market (BND, 0.035%)
    10%
    International BondsVanguard Total Intl Bond (BNDX, 0.08%)
    5%
    CryptoBitwise 10 Crypto Index (BITW, 2.5%)
    5%
  • CryptoPure Crypto

    Bitcoin
    67%
    Ethereum
    33%
  • CryptoBitcoin

    Bitcoin
    100%
  • CryptoEthereum

    Ethereum
    100%

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 12/7/2023. Yield is the SEC 30-day yield provided by each fund manager.