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Annuity Rates

How the Payment Rates Are Determined

RJCEF gift annuity rates are based on the rates determined by the American Council on Gift Annuities (ACGA). The ACGA is a charitable institution dedicated to promoting the general use of charitable gift annuities, the prudent management of annuity contributions and the determination of gift annuity rates that are fair to the donor and the charity. ACGA annuity rates are widely used by nonprofit organizations throughout the country.

Rate Chart

The following rate chart shows the gift annuity rates as suggested by the ACGA for either one or two annuitants, based on their age at the time of the gift. The Raymond James Charitable Endowment Fund will follow this schedule unless you specifically instruct us to calculate payments based on a smaller percentage. The ACGA has recommended these rates for gift annuities issued after July 1, 2010.

One Life   Two Lives
Age Rate   Ages Rate
55 5.0%   55/55 4.6%
60 5.2%   60/60 4.9%
65 5.5%   65/65 5.1%
70 5.8%   70/70 5.4%
75 6.4%   75/75 5.7%
80 7.2%   80/80 6.3%
85 8.1%   85/85 7.1%
90+ 9.5%   90/90 8.3%
      95/95 9.3%
 
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