Portfolio Builders

Portfolio Builders act as building blocks for your charitable investment portfolio. Select from the individual funds, across risk and asset classes, to grow your philanthropic account tax-free. These funds, which are straightforward investment options driven by your giving timeline and philanthropic goals, will help you craft a personalize portfolio that aligns with your philanthropic vision.

Building Blocks

Investment fees range from 0.02% to 0.11%

more-info-icon Last updated 12/13/2019

Create the basis of your charitable portfolio

Money Market

The Money Market investment option can be utilized to maintain an account balance in preparation for immediate giving needs. While donors may grant from Money Market, it is not necessary to make grants solely from this investment option.

Expense Ratio

Standard

0.11%

Select

0.11%

Risk/granting time horizon

Risk level 1

Returns

more-info-icon Last updated 09/30/2019

Qtr

0.54%

1 Yr

2.28%

5 Yrs

0.96%

10 Yrs

0.51%

Benchmark

U.S. Government Money Market Funds Average

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

active

Goal

Seeks to provide income while maintaining liquidity and a stable share price. Invests primarily in U.S. government agency obligations.

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133

Short-Term Bond

Donors with ongoing granting plans or current charitable goals may consider utilizing Short-Term Bond. This fund may be used as part of a diversified portfolio aligned to immediate and short-term giving goals.

Expense Ratio

Standard

0.1%

Select

0.07%

Risk/granting time horizon

Risk level 1

Returns

more-info-icon Last updated 09/30/2019

Qtr

1.01%

1 Yr

5.94%

5 Yrs

2.48%

10 Yrs

2.81%

Benchmark

Bloomberg Barclays U.S. 1-5 Year Credit Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks current income with limited price volatility and provides exposure to short-term, investment-grade fixed income securities.

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124

Total Bond

Total Bond may be utilized by donors who are not planning a significant amount of immediate granting, but who are working toward giving goals approximately 2-10 years in the future.

Expense Ratio

Standard

0.035%

Select

0.03%

Risk/granting time horizon

Risk level 2

Returns

more-info-icon Last updated 09/30/2019

Qtr

2.41%

1 Yr

10.41%

5 Yrs

3.34%

10 Yrs

3.67%

Benchmark

Spliced Bloomberg Barclays U.S. Aggregate Float Adjusted Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks to provide broad exposure to the investment-grade U.S. bond market.

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139

Total International Bond

Total International Bond is designed to provide broad exposure to non-U.S. investment-grade bonds. This option offers diversification and can help reduce volatility of investment returns due to their low correlation to U.S. bonds. It can be aligned with both short-term and long-term goals.

Expense Ratio

Standard

0.11%

Select

0.07%

Risk/granting time horizon

Risk level 2

Returns

more-info-icon Last updated 09/30/2019

Qtr

2.93%

1 Yr

5 Yrs

10 Yrs

Benchmark

Bloomberg Barclays Global Aggregate ex-USD Float Adjusted RIC Capped Index (USD Hedged)

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks to provide a diversified portfolio of U.S. dollar hedged, high-quality international bonds.

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138

Total Equity

Total Equity, a multi-fund investment option, provides broad diversification and offers exposure to market performance of both U.S. and non-U.S. equities. For donors seeking to design their own target asset allocation, or those with a higher risk threshold and long-term granting plans, this low-cost option may be appealing.

Expense Ratio

Standard

0.05%

Select

0.04%

Risk/granting time horizon

Risk level 4

Returns

more-info-icon Last updated 09/30/2019

Qtr

0.19%

1 Yr

1.31%

5 Yrs

8.21%

10 Yrs

10.8%

Benchmark

Composite benchmark return: 55% S&P 500 Index, 15% S&P Completion Index, and 30% Spliced Total International Stock Market Index.

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks to provide growth of capital through a 100% allocation to U.S. and international stocks.

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140

Total U.S. Stock

Total U.S. Stock is a broadly diversified equity portfolio and aligns with long-term giving goals. For donors looking to grow their charitable assets over time to plan for a large gift or personal legacy, this fund provides that opportunity through equity investments.

Expense Ratio

Standard

0.03%

Select

0.02%

Risk/granting time horizon

Risk level 4

Returns

more-info-icon Last updated 09/30/2019

Qtr

1.09%

1 Yr

2.87%

5 Yrs

10.42%

10 Yrs

13.09%

Benchmark

Spliced Total Stock Market Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks to provide exposure to large-, mid- and small-cap equities diversified across growth and value styles.
 

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141

Total International Stock

Total International Stock provides greater diversification of equities, which increases both risk and potential return. Donors with long-term or open-ended philanthropic views may utilize this fund to work toward future giving and legacy goals.

Expense Ratio

Standard

0.08%

Select

0.07%

Risk/granting time horizon

Risk level 5

Returns

more-info-icon Last updated 09/30/2019

Qtr

-1.65%

1 Yr

-1.56%

5 Yrs

3.16%

10 Yrs

4.54%

Benchmark

Spliced Total International Stock Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks to provide broad exposure across developed and emerging non-U.S. equity markets.
 

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142

Balanced Funds

Investment fees range from 0.05% to 1.23%

more-info-icon Last updated 12/13/2019

Utilize these funds for a broad exposure

Balanced Index

Balanced Index uses an index sampling and passively managed approach, providing a low-cost option with moderate risk to philanthropists who are balancing short- and long-term giving goals.

Expense Ratio

Standard

0.07%

Select

0.06%

Risk/granting time horizon

Risk level 3

Returns

more-info-icon Last updated 09/30/2019

Qtr

1.67%

1 Yr

5 Yrs

10 Yrs

Underlying funds

Benchmark

Balanced Composite Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Seeks capital appreciation, current income, and long-term growth of income.

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143

Wellington

The Vanguard Wellington™ Fund, founded in 1929, is the nation's oldest balanced mutual fund. Investment in Wellington, a low-cost, actively managed option, provides broad diversification across all economic sectors that can serve as a core portion of a donor's overall investment strategy for long-term philanthropy.

Expense Ratio

Standard

0.25%

Select

0.17%

Risk/granting time horizon

Risk level 3

Returns

more-info-icon Last updated 09/30/2019

Qtr

3.2%

1 Yr

5 Yrs

10 Yrs

Underlying funds

Benchmark

Wellington Composite Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

active

Goal

Seeks long-term capital appreciation and reasonable current income, with moderate risk.

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132

TIFF Multi-Asset Pool

Vanguard Charitable is proud to partner with TIFF Investment Management to offer your account exclusive access to the TIFF Multi Asset Fund. This fund gives qualified donors access to a fully diversified portfolio of traditional and alternative strategies. The underlying managers are institutional quality and the Fund is actively managed by TIFF’s investment team.

Expense Ratio

Standard

1.23%

Select

1.23%

Risk/granting time horizon

Risk level 4

Returns

more-info-icon Last updated 09/30/2019

Qtr

-0.89%

1 Yr

0.59%

5 Yrs

3.87%

10 Yrs

6.29%

Underlying funds

Benchmark

Balanced Composite Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

active

Goal

Seeks capital appreciation, current income, and long-term growth of income.

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149

Specific Regions

Investment fees range from 0.08% to 0.14%

more-info-icon Last updated 12/13/2019

Include additional international region exposure to your portfolio

European Stock

For donors with a long-term granting time horizon, an investment in European Stock provides a portfolio with a larger allocation of stocks in this region and introduces a higher level of risk inherent in international stock investments.

Expense Ratio

Standard

0.1%

Select

0.08%

Risk/granting time horizon

Risk level 5

Returns

more-info-icon Last updated 09/30/2019

Qtr

-1.95%

1 Yr

-1.39%

5 Yrs

2.68%

10 Yrs

Benchmark

Spliced European Stock Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Targets European common stocks and is diversified across developed markets.

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131

Pacific Stock

For donors with a long-term granting time horizon, an investment in Pacific Stock provides a portfolio with a larger allocation of stocks in this region and introduces a higher level of risk inherent in international stock investments.

Expense Ratio

Standard

0.1%

Select

0.08%

Risk/granting time horizon

Risk level 5

Returns

more-info-icon Last updated 09/30/2019

Qtr

-0.23%

1 Yr

-4.5%

5 Yrs

4.78%

10 Yrs

Underlying funds

Benchmark

Spliced Pacific Stock Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Targets Pacific-region common stocks.

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130

Emerging Markets

For donors with a long-term granting time horizon, an investment in Emerging Markets provides a portfolio with a larger allocation of stocks in this region and introduces a higher level of risk inherent in international stock investments.

Expense Ratio

Standard

0.14%

Select

0.1%

Risk/granting time horizon

Risk level 5

Returns

more-info-icon Last updated 09/30/2019

Qtr

-3.56%

1 Yr

1.28%

5 Yrs

2.02%

10 Yrs

Benchmark

Spliced Emerging Markets Index

Management

more-info-icon Active funds focus on outperforming the market compared to a specific benchmark through a portfolio manager’s selections. Passive funds seek to mimic benchmarks by tracking an index

passive

Goal

Targets emerging markets common stocks.

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129

Footnotes

  • Expense ratios are assessed by the Vanguard mutual funds/exchange-traded funds (ETFs) and vary based on allocation and account status; Vanguard Charitable does not itself charge investment fees. While they may be invested in mutual funds or ETFs, the investment options are not themselves mutual funds, nor are they publicly traded. They are not available for investment by any individual or organization apart from Vanguard Charitable. As such, prospectuses only exist for the underlying mutual funds, and not for the Vanguard Charitable investment options.
  • Standard account expense ratios utilize the Institutional share class of the underlying Vanguard mutual funds when possible. Select account expense ratios utilize the Institutional plus share class of the underlying Vanguard mutual funds where applicable.
  • Total Bond benchmark: Spliced Bloomberg Barclays U.S. Aggregate Float Adjusted Index reflects the performance of the Bloomberg Barclays U.S. Aggregate Bond Index through December 31, 2009; Bloomberg Barclays U.S. Aggregate Float Adjusted Index thereafter.
  • Total International Bond benchmark: Bloomberg Barclays Global Aggregate ex-USD Float Adjusted RIC Capped Index Hedged: Includes government, government agency, corporate, and securitized non-U.S. investment grade fixed-income investments, all issued in currencies other than the U.S. dollar and with maturities of more than one year.
  • Total Equity benchmark: 55% S&P 500 Index, 15% S&P Completion Index, and 30% Spliced Total International Stock Market Index. Spliced Total International Stock Market Index: Total International Composite Index through August 31, 2006; MSCI EAFE + Emerging Markets Index through December 15, 2010; MSCI ACWI ex US IMI Index through June 2, 2013; and FTSE Global All Cap ex US Index thereafter.
  • Total U.S. Stock benchmark: Total U.S. Stock benchmark: Spliced Total Stock Market Index reflects the performance of the Dow Jones Wilshire 5000 Index through April 22, 2005; MSCI US Broad Market Index through June 2, 2013; and CRSP US Total Market Index thereafter.
  • Total International Stock benchmark: Spliced Total International Stock Market Index reflects the performance of the Total International Composite Index through August 31, 2006; MSCI EAFE + Emerging Markets Index through December 15, 2010; MSCI ACWI ex US IMI Index through June 2, 2013; and FTSE Global All Cap ex US Index thereafter.
  • Balanced Index benchmark: Balanced Composite Index: Weighted 60% Dow Jones U.S. Total Stock Market Index (formerly known as the Dow Jones Wilshire 5000 Index) and 40% Lehman Brothers U.S. Aggregate Bond Index through May 31, 2005; 60% MSCI US Broad Market Index and 40% Bloomberg Barclays U.S. Aggregate Bond Index through December 31, 2009; 60% MSCI US Broad Market Index and 40% Bloomberg Barclays U.S. Aggregate Float Adjusted Index through January 14, 2013; and 60% CRSP US Total Market Index and 40% Bloomberg Barclays U.S. Aggregate Float Adjusted Index thereafter.
  • Wellington benchmark: Wellington Composite Index: 65% S&P 500 Index and 35% Lehman U.S. Long Credit AA or Better Bond Index through February 29, 2000; 65% S&P 500 Index and 35% Bloomberg Barclays U.S. Credit A or Better Bond Index thereafter.
  • TIFF Map: 1.23% annualized expense ratio for year-ended 12/31/18. The TIFF Multi-Asset Pool is generally available to accounts with ongoing balances over $100,000. Refer to our Policies and guidelines booklet for more information."
  • European Stock benchmark: Spliced European Stock Index reflects performance of the MSCI Europe Index through March 26, 2013; FTSE Developed Europe Index through September 30, 2015; and FTSE Developed Europe All Cap Index thereafter.
  • Pacific Stock benchmark: Spliced Pacific Stock Index reflects performance of the MSCI Pacific Index through March 26, 2013; FTSE Developed Asia Pacific Index through September 30, 2015; and FTSE Developed Asia Pacific All Cap Index thereafter.
  • Emerging Markets benchmark: Spliced Emerging Markets Index reflects performance of the Select Emerging Markets Index through August 23, 2006; the MSCI Emerging Markets Index through January 9, 2013; the FTSE Emerging Transition Index through June 27, 2013; the FTSE Emerging Index through November 1, 2015; the FTSE Emerging Markets All Cap China A Transition Index through September 18, 2016; and the FTSE Emerging Markets All Cap China A Inclusion Index thereafter.
  • The potential for risk in Vanguard funds can be categorized in levels from 1 to 5. Learn more in our FAQs.
  • Any Portfolio Builders option can be combined with other Portfolio Solutions, Portfolio Builders, and Values-Driven Investment options.
 

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