Investment Options

Investment Options to help grow your charitable giving

Whitefish Community Foundation offers a variety of investment options, each of which is designed to meet a range of philanthropic goals and time horizons. Each of our investment pools are carefully designed to maximize return and minimize volatility. Investments are monitored regularly by the community foundation’s experienced investment committee, consultant, and staff.

As a fund advisor, you may allocate to one or more investment pools, and you may change the investment allocation once per year or upon a significant change in charitable goals and time horizon for depleting the fund. The community foundation will maintain your fund’s investment allocation through regular monthly re-balancing.

Give – Grow – Grant

GIVE


Make a contribution of cash or appreciated securities to Whitefish Community Foundation and qualify for an immediate tax-deduction. Gifts to a qualified Montana Endowment can benefit from a state tax credit.

GROW


Recommend your investment preference to grow your Fund and increase your charitable giving over a period of time. Your Fund will grow tax free. There is no minimum amount you need to grant each year.

GRANT


Make grant recommendations as often as you would like. We will handle the due diligence and quickly process your grant requests. We offer online account access. $250 grant request minimum.

Invest Icon

With our Donor Advised Funds, donors can choose from among several investment pools. Our professional managers rebalance pools on a monthly basis to ensure our funds are maximizing their charitable giving potential. If you decide you do not want to invest, your fund will remain in a capital preservation pool and earn a fixed income to help cover your administrative fees.

Quarterly Investment Reports

Balanced

Pool


A balanced mixture of safety, income, and capital appreciation. 51.5% equity, 46.5% fixed income, 2% cash

The Balance Pool is for donors who plan to keep the majority of their fund invested for 5 years or more.

Long-Term Growth


Long-Term Growth Pool is for capital growth and long term giving. 77% equity, 22% fixed income, 1% cash.

Donors with a 10+ year time horizon on investing and granting can use the long-term approach. The Long-Term Pool is used for Endowment Funds.

Capital Preservation


Capital Preservation is for stability of principal: A combination of money market, certificates of deposit, and other liquid short term securities.

Short term fund holders of 3 years or less use this pool. Interest helps cover the administration fee.

Outside Investment Managers

Funds over $1M also have the option of recommending an outside Professional Investment Manager. The Investment Manager must be approved by the Investment Committee and meet reporting requirements. Please contact Linda Engh-Grady for more information 406-863-1781.

*Variance Power.  Donations to the Great Fish Community Challenge are subject to the variance power described in Treas. Reg. Sec. 1.170.A-9(f)(11)(v)(B)(1), as amended from time to time. Pursuant to the variance power, the Whitefish Community Foundation Board of Directors shall have the power to modify any restriction or condition on the distribution of funds for any specified charitable purpose or to specified organizations, if in their sole judgment (without the approval of any advisor, trustee, custodian, or agent) such restriction or condition becomes, in effect, unnecessary, incapable of fulfillment, or inconsistent with the charitable needs of the Community Foundation.