Individuals: Designed for Donor-Advised Fund holders who desire limited volatility and inflation protection, and for donors with a granting timeline of two years or less.

Organizations: Catholic Savings Accounts are designed for capital with a near-term purpose, and offer two account types:

Designed for capital with a known future use, generating income today while positioning your capital for modest growth. This pool blends stability with measured growth for investors who can tolerate mild volatility.

• Fixed income forms the majority of the portfolio, generating current income and limiting downside risk.
• Equities and alternatives make up the remainder, providing modest growth potential, an inflation hedge, and additional diversification to help smooth out volatility.

Designed for long-term capital with a longer horizon time of intended use. This pool pursues long-term real growth through low-cost passive index funds, and does not invest in private markets or illiquid alternative investments.

• Equities drive growth through broad market index funds, while fixed income reduces volatility and provides downside protection.
• Returns are expected to track the broad markets rather than outperform them, in exchange for the lowest available investment cost.

Designed for permanent endowments where spending is determinable based on an annual spending rate, while focusing on a long-term, perpetual investment timeline. This pool seeks additional diversification and increased returns by allowing investments in illiquid alternative investments.

• The portfolio's return is generated primarily through capital gains from equities, which also help offset inflation over time.
• Fixed income and a modest allocation to alternative investments reduce volatility and provide downside protection. Investors should expect a moderate to higher level of volatility due to fluctuations in interest rates and equity valuations.