Charitable Investment Account
When you open and invest in the Janus Henderson Government Money Market Fund, we help fight against cancer together. American Cancer Society will receive half of Janus Henderson’s management fees from all assets under management from the Fund.
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How it works
Plan
Capture the tax deduction today of future charitable giving.
Contribute
Contribute cash, appreciated assets, investments, or transfer from an existing Donor Advised Fund.
Invest
Invest your account balance so it can grow tax-free and increase future impact.
Impact
Make grants to millions of charities at any time with ease.
Simplify
Consolidate all charitable giving into a single deduction. There's no need to track every donation throughout the year.
What is the Janus Henderson difference?
Industry leading minimums and fees
No account minimums, no contribution minimums, grants as low as $50, and a simple account fee structure of a flat 0.3%, which is half the base fees for the largest Donor Advised Fund Providers.
Faster and easier donations
Whether your goals are personal, wealth transfer related or for tax deductibility, Janus Henderson Charitable streamlines your donations so you can support multiple charities all from the convenience of a single platform.
Amplify your giving with our global allocation funds
Our Funds offer broad global diversification in a single investment by utilizing the full spectrum of Janus Henderson Investment expertise and solutions to help amplify your giving. The Funds are built to match your risk tolerance.
Janus Henderson will donate an amount equal to half of its management fees for all assets under management from Janus Henderson's Government Money Market Fund to ACS to support its mission of advocacy, research, and patient support. Uninvested cash balances in Charitable Investment Accounts are held in the Government Money Market fund to earn yield while supporting this fight.
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Frequently asked questions
What is a Charitable Investment Account?
A Charitable Investment Account is Janus Hendersons Donor Advised Fund solution and helps you maximize the impact of your giving. You can streamline your charitable giving into a single deduction, investing your charitable dollars tax free, and allowing you to give to millions of charitable organizations globally.
Is this only available in the U.S.?
This is available to all U.S. citizens.
What is the tax benefit?
Contributing to a Donor-Advised Fund (DAF) in the U.S. can offer significant tax advantages, especially for individuals or businesses looking to maximize deductions, simplify giving, and plan philanthropy over time. Here’s a breakdown of the main tax benefits:
1. Immediate charitable deduction: You receive a tax deduction in the year you contribute, not when the funds are granted to nonprofits. Asset types and deduction limits include
- Cash: up to 60% of AGI
- Public stock: Up to 30% of AGI (FMV)
- Private assets (e.g., private stock, real estate): Up to 30% of AGI (typically at cost basis unless structured carefully)
2. Avoid capital gains tax: When you donate appreciated assets (like stock) directly to a DAF,
- You avoid paying capital gains tax
- You deduct the full fair market value (if held >1 year)
- Example: Donate $100K in appreciated stock (original cost: $20K) → avoid ~$12K–$20K in capital gains tax.
3. Tax-free growth: Once in the DAF, your contributions may not be taken out, but
- They can be invested and grow tax-free
- They allow for strategic long-term giving
4. No required distribution timeline: Unlike private foundations, DAFs
- Have no minimum distribution requirement
- Let you time your grants to nonprofits whenever you choose
5. Estate planning tool: DAFs can help reduce estate tax exposure because
- They remove assets from your taxable estate
- You can name successors or charitable beneficiaries
- They act like a family giving legacy without the complexity of a foundation
What are the fees?
The fees are 30bps or .30%. Hypothetically, a 30bps fee on $100 would equate to $0.30.
Are there account minimums? What is the minimum amount I can donate?
Minimum donation amount is $5.
Can I make recurring contributions?
Yes, recurring contributions can be made via credit card or ACH/banking accounts.
Who is Givinga?
Givinga is the technology partner chosen to deploy the Charitable Investment Account (CIA) to market. Givinga is a B2B solutions company that has integrated directly with Janus Henderson Investors to offer the CIA providing direct customers with the ability to open a Donor Advised Fund that can grow in the Money Market Fund or one of the Global Allocation Funds (Growth, Moderate, or Conservative). For more information about Givinga, check givinga.com.
How do I make a donation to an eligible charity from my Charitable Investment Account?
View our guide here.
What are the investment options that will be available?
You have the opportunity to invest in our American Cancer Society Support Shares of Government Money Market Fund and our three Global Allocation Funds:
- American Cancer Society Support Shares of Janus Henderson's Government Money Market Fund
- Global Allocation Fund – Growth
- Global Allocation Fund – Conservative
- Global Allocation Fund – Moderate
What Charities can I donate to? What is the process and timing to add a new charity?
You have access to over 2.1 million charities globally. Donations are delivered in 15 days or less.
How do I contribute Janus Henderson Mutual Fund shares?
View our guide here.
How do I contribute stock?
View our guide here.
How do I contribute crypto assets?
Crypto assets are currently out of scope.
How frequently are assets under advisement fees collected and how?
Fees are calculated daily and deducted monthly.
Are existing investments automatically liquidated to cover fees?
Yes, existing investments automatically liquidate to cover the fees.
1 The donation of Janus Henderson's management fee revenues will be net of any waivers.
2 Referring to top five donor advised fund providers by AUM.
Please consider the charges, risks, expenses and investment objectives carefully before investing. For a prospectus or, if available, a summary prospectus containing this and other information, please call Janus Henderson at 800.525.3713 or download the file from janushenderson.com/reports. Read it carefully before you invest or send money.
Investing involves risk, including the possible loss of principal and fluctuation of value.
There is no assurance the stated objective(s) will be met.
Tax information contained herein is not intended or written to be used, and it cannot be used by taxpayers for the purposes of avoiding penalties that may be imposed on taxpayers. Such tax information and any estate planning information is general in nature, is provided for informational and educational purposes only, and should not be construed as legal or tax advice.
Derivatives can be more volatile and sensitive to economic or market changes than other investments, which could result in losses exceeding the original investment and magnified by leverage.
Fixed income securities are subject to interest rate, inflation, credit and default risk. The bond market is volatile. As interest rates rise, bond prices usually fall, and vice versa. The return of principal is not guaranteed, and prices may decline if an issuer fails to make timely payments or its credit strength weakens.
Foreign securities are subject to additional risks including currency fluctuations, political and economic uncertainty, increased volatility, lower liquidity and differing financial and information reporting standards, all of which are magnified in emerging markets.
Performance of the Fund depends on that of the underlying funds. They are subject to the volatility of the financial markets. Because Janus Henderson Investors US LLC is the adviser to the Fund and to the underlying affiliated funds held within the Fund, it is subject to certain potential conflicts of interest.
Diversification neither assures a profit nor eliminates the risk of experiencing investment losses.
For Janus Henderson Government Money Market Fund: You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.
For Janus Henderson Government Money Market Fund: Fees may be voluntarily waived and/or reimbursed to the extent necessary to assist the Fund in attempting to maintain a yield of at least 0.00%. Any waivers and reimbursements could be changed or terminated at any time.
A donor advised fund is facilitated by a tax-exempt public charity under sections 501(c)(3) and 509(a)(1) of the Internal Revenue Code. Contributions made to a donor advised fund are considered an irrevocable gift and are not refundable. Once contributed, the charitable organization facilitating the donor advised fund has exclusive legal control over the contributed assets.Donors should carefully consider information contained in the prospectus, or if available, the summary prospectus, for the registered underlying mutual funds, including investment objectives, risks, charges and expenses. Donors can request a prospectus by calling Janus Henderson at 800-525-3713. Please read the prospectus carefully before making contributions.Market fluctuations may cause the value of investment fund shares held in a donor-advised account to be worth more or less than the value of the original contribution to the funds.
Janus Henderson will donate from its own resources, an amount representing 50% of the Janus Henderson's quarterly management fee revenue attributable to Janus Henderson Government Money Market Fund, net of any fee waivers and/or expense reimbursements, to the ACS. Janus Henderson will make annual minimum contributions to the ACS of $1 million from 2024 to 2027, and in each year thereafter to the extent this arrangement continues.
The American Cancer Society® (ACS) does not endorse any service or product. Shares of Janus Henderson Government Money Market Fund are not sponsored, endorsed, or promoted by the ACS, and the ACS is not an investment adviser or service provider to the Fund, Janus Investment Fund, or Janus Henderson.
Mutual funds distributed by Janus Henderson Distributors US LLC.
Janus Henderson Group plc ©