"My gift annuity is a two-way street. I happened to have an asset at the time that fit right into the program. It's a win-win situation. It gives me a guaranteed income for life. I saved on capital gains and estate taxes. More importantly, it does good things for Temple and will make a difference for the University and future generations of students."

Vernon C. Cox, SBM '40, '51

Illustration A:
Mrs. J.C. has $50,000 invested in CDs at current rates. She wishes to use $25,000 of this money for a gift to Temple, which will eventually benefit her school of graduation. She is 78 years old. Based on her life expectancy, Temple agrees to pay her a fixed income equal to 7.8% of her gift, or $1,950 annually, of which $1,349 is tax-free. Mrs. J.C. receives an immediate income tax deduction of $10,832 for the remainder value of her gift. The tax deduction coupled with the tax-free income effectively increases Mrs. J.C.'s return to 11.3% for her gift.

Illustration B:
Mr. and Mrs. N.T. are a 79- and 80-year-old couple who have been very fortunate with their investments in the stock market. In fact, they have a stock portfolio that is worth $100,000 on the current market, but they only paid $10,000 for these stocks many years ago. Their current earnings on their stock are a 2% annual dividend or $2,000. They would like to enhance their income, but hesitate to sell this stock due to the capital gains tax of $18,000. Instead, they elect to set up a gift annuity for Temple based on the full fair market value of the stock portfolio. Temple will pay the N.T's an annual annuity of 7.1% or $7,100. That's much better than their previous $2,000 dividend. They will also receive an income tax deduction of $36,289 increasing their total effective return to 8.8% for this gift. The gift annuity rates that Temple will pay are dependent upon the age(s) of the income beneficiary(ies) you name.

Please click below to view our current annuity rates:

• Rates for Single Life
• Rates for Two Lives
• Annuity and Trust Calculator

If you would like to see an illustration that is personalized for your particular circumstances, contact Jerry Rohrbach, Director of Planned Giving, at 215-204-5741 or 800-822-6957 or e-mail jerry.rohrbach@temple.edu. When requesting information via e-mail, please indicate the birth date(s) of the income beneficiary(ies).

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