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Types of Investments

Over the years, the University of Sioux Falls has benefited from the generosity of countless alumni, parents and friends who believed in quality Christian higher education. Your gift can help us carry on our tradition of excellence and service.

"How can I give?" might seem like a question with a simple and obvious answer. But there are many ways for you to give. Consider how the following types of gifts might fit into your plans:

  • Current Gifts - gifts that benefit USF immediately.
  • Planned or Deferred Gifts - gifts that are arranged now but benefit USF later.

Please contact the Office of Institutional Advancement at 605-331-6608 with any questions you may have regarding investment opportunities or about any specific type of gift.

 

Current Gifts

Gifts of Cash

Gifts made by check or money order may be sent to:

USF Development Office
1101 W. 22nd St.
Sioux Falls, SD 57105

We also accept VISA and MasterCard. CLICK HERE TO MAKE AN ONLINE PAYMENT

Double Your Gift!

Hundreds of employers match gifts that employees give to qualifying charitable organizations. Contact us to see if you work for a matching gift company.

Cash gifts to USF are fully tax-deductible, to the extent that your personal tax situation allows you to deduct charitable gifts.

You may choose to have your gifts to USF paid directly from your bank account through our Direct Payment Plan. Contact the USF Development Office for more information on this convenient way to give.

Gifts of Stock

Transferring stock or mutual fund shares to USF may be a very tax-wise way for you to give! By giving an asset that has grown in value, you may be able to avoid capital gains taxes as well as receiving an income tax deduction for the full fair market value of the asset. Transferring stock isn’t difficult—it can be as simple as a call or note to your broker. Contact us for specific transfer information.

Gifts of Real Estate

Gifts of real estate, such as a vacation home or farmland, can result in significant tax benefits as well as allowing you to make a major difference for the University of Sioux Falls. Like a gift of appreciated stock, a gift of real estate that’s grown in value may allow you to avoid capital gains taxes, plus provide a significant income tax deduction. Contact us for more information on this tax-wise way to give.

Gifts of Personal Property

Personal property refers to things that you own, other than real estate or stock. Your tax benefits are maximized when you give personal property in good working condition that we can use to further the University's mission. Some examples:

  • Book collections focused on academic subjects or classic literature
  • Later-model vehicles
  • Fishing boats to use in aquatic research
  • Laboratory equipment
  • Exercise and sports equipment
  • Pianos, band instruments, and stringed instruments

Other valuable personal property, such as jewelry, antiques, collections, or artwork, can also be given to USF even if it cannot be put to use at the University. USF will in most cases sell the property to provide resources to further our mission. Your tax benefits will be somewhat less in this circumstance.

Please contact us to discuss your potential gift of personal property before transferring it to the University.

 

Planned of Deferred Gifts

Gifts That Provide Special Tax and Income Benefits

There are several types of gifts, often called "planned gifts" or "deferred gifts," that can provide you with special tax benefits and even increase your personal income. Many generous people find that they can make a much more significant gift through their estate than they could ever dream of doing during their lifetime. Contact us to receive a personalized illustration of how a planned gift to the University can benefit you.

Gifts That Can Reduce Your Estate and Inheritance Taxes

The simplest planned gift is a bequest through your will or living trust. You can designate a specific amount, a percentage, or the remainder of your estate after expenses and specific bequests are paid to benefit USF. The USF Development Office will provide you with wording that your attorney can insert into a new or existing will or living trust. Bequests to charity are not subject to gift tax, and are deductible against estate and inheritance taxes.

Your home or farm can be given to USF, while you keep the right to live on and use the property for your lifetime. This is called a gift with life estate. You can receive a significant immediate income tax deduction, and the property is removed from your estate, which may reduce estate and inheritance taxes.

You may wish to include USF as a beneficiary for a percentage of your life insurance policy proceeds, with estate tax benefits. Or, you may choose to make a gift of a paid-up insurance policy to USF, resulting in a current income tax deduction for the cash value of the policy.

Many people have IRAs or other tax-deferred retirement plans. But few people know that they can include their favorite charity as a beneficiary. Contact us for special information on the tax consequences of this kind of gift.

Gifts That Can Increase Your Income and Reduce Your Taxes

A charitable gift annuity is an irrevocable agreement between USF and the donor. In exchange for a gift of cash or property, USF agrees to pay the donor a specified amount annually for the donor’s lifetime, or for the lifetime of the donor and another person. The payment rate is dependent on the ages of those receiving income, and can be as high as 12% for a person 90 or older.

Several kinds of charitable trusts can provide significant savings on income and capital gains taxes, as well as potentially increasing your annual income. Charitable trusts are often funded with gifts of property that is highly appreciated, but is currently producing relatively little income for the donor.

A Charitable Remainder Annuity Trust (CRAT) pays the donor a fixed amount annually for life or a fixed period of years.

A Charitable Remainder Unitrust (CRUT) pays the donor an annual amount that represents a fixed percentage of the trust assets. The value of the trust is evaluated yearly.

In a Lead Trust, the income flows first to USF for an established period of years. After that time, the assets in the trust go to your family members or other beneficiaries.