Is a gift to the Oberlin Pooled Income Fund right for you?
If you can answer "yes" to any of the following questions the pooled income fund could be right for you.

• Would you like to ensure an Oberlin education for the next generation of Oberlin students?
  • receive a lifetime of income payments?
  • and still receive a charitable tax deduction?
• Do you want to make a significant gift to Oberlin, but still need the income generated by the asset?
• Would you like to avoid paying capital gain taxes on your appreciated securities?
• Are you planning for retirement?
• Are you enjoying your retirement right now?

What is the Oberlin Pooled Income Fund?
The Oberlin Pooled Income Fund is a fund maintained by the college in which all gifts are "pooled" for investment purposes with the income generated by the fund shared proportionately among the participants. On the death of the beneficiaries, the principal is distributed to Oberlin.

What is the minimum age and amount?
The minimum amount to participate in the Oberlin Pooled Income Fund is $5,000. Additions may be made at a minimum of $1,000. Cash and/or long-term appreciated securities may be used as gifts to the Pooled Fund. There can be no more then two income beneficiaries, and they must be at least 50 years of age.

How are payments determined?
The annual income paid out from the Pooled Fund will vary each year. The Payments are determined by the performance of the assets within the Pooled Fund. Kaspick & Company manages the assets in Oberlin's Pooled Income Fund.

Tax and financial information
A portion of your gift may be deductible for federal income tax purposes, provided you itemize your deductions. The deduction is determined by the amount of the gift, the age(s) of the income beneficiary (ies), and the current assumed rate of return.

What do I do now?
To make a gift to the Oberlin Pooled Income Fund, or receive a personalized illustration and more information Contact the Office of Gift Planning at 440-775-8599 or Gift.Planning@oberlin.edu.

Sample Illustration:

Donor Age: 72
Gift: $10,000 Cash
Current Income Rate: 3.0%*
Annual Payment: $300
Charitable Tax Deduction: $6,127**

*Based on the performance of assets within the Pooled Fund. The payout rate and amount will vary each year.
**The charitable tax deduction will vary based on the timing of the gift and current assumed rate of return.