Charitable Investment Account

Maximize your charitable impact, optimize your taxes, and get industry leading low fees and easy donations

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Charitable Investment Accounts

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Fight
Cancer

Invest in
Brighter
Futures

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 American Cancer Society to support its mission of advocacy, research, and patient support.¹ Uninvested cash balances in Charitable Investment Accounts are held in the Government Money Market fund to earn yield while supporting this fight.

The Janus Henderson difference

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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.²

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.

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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.

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Frequently Asked Questions

What is a Charitable Investment Account?

Is this only available in the U.S?

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 Type	Deduction Limit (as % of AGI)
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:

Can be invested and grow tax-free
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:

DAF contributions remove assets from your taxable estate
You can name successors or charitable beneficiaries
Acts like a family giving legacy without the complexity of a foundation

What are the fees?

Are there account minimums? What is the minimum amount I can donate?

Can I make recurring contributions?

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?

What are the investment options that will be available?

What Charities can I donate to? What is the process and timing to add a new charity?

How do I contribute Janus Henderson Mutual Fund shares?

How do I contribute stock?

How do I contribute crypto assets?

How frequently are assets under advisement fees collected and how?

Are existing investments automatically liquidated to cover fees?

Learn more about our support of  the American Cancer Society

As investors, we know how fundamental research unlocks insights that can change lives. And we strongly believe that people are best able to tackle life’s challenges from a position of financial strength and support.

Learn more

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.

Charitable Investment Account