Steward Your Ministry’s Financial Future With Confidence

We help churches and ministries manage funds with a biblical perspective and financial integrity — providing strategic investment solutions, reliable income, and strengthened ministry outcomes so you can focus on your mission.

Steward Your Ministry’s Financial Future With Confidence

We help churches and ministries manage funds with a biblical perspective and financial integrity — providing strategic investment solutions, reliable income, and strengthened ministry outcomes so you can focus on your mission.
fund management

What We Do

At Georgia Baptist Foundation, we help churches and ministries steward the financial resources entrusted to them with biblical integrity, investing wisely for sustainable ministry impact. Our fund management services are designed to strengthen ministry outcomes through thoughtful investment strategies, reliable income streams, and long-term financial support—giving ministry leaders peace of mind to focus on advancing the Gospel.

Trust Services

Next Steps for Churches and Ministries

Share this with your donors. You can quickly share this information with any potential donor. Simply select this web address, select "copy" from the browser edit menu bar, and paste the link into an email to the donor. Web address: www.gbfoundation.org/give/give-securities

Download the Information Click here to download information on our gift clearing service. This PDF can be printed and presented to your finance committee or pastor.

Managed Funds

What is Fund Management from a Stewarding Perspective?

Fund management from a stewarding perspective is the faithful oversight of God-given resources, ensuring they are invested wisely, ethically, and in alignment with biblical principles to advance Kingdom work. At the Georgia Baptist Foundation, we view stewardship not merely as financial strategy, but as a sacred calling—screening investments to avoid harm while pursuing growth that sustains ministries for generations. By partnering with us, your funds become tools for eternal impact, balancing prudence, purpose, and provision as outlined in Scripture.

Faithful Oversight of Resources

Fund management from a stewarding perspective involves the faithful oversight of God-given resources, ensuring they are invested wisely, ethically, and in alignment with biblical principles to advance Kingdom work

Stewardship as a Sacred Calling

At Georgia Baptist Foundation, we regard stewardship as a sacred calling beyond mere financial strategy, meticulously screening investments to prevent harm while fostering growth that sustains ministries across generations.

Tools for Eternal Impact

Partnering with us transforms your funds into powerful tools for eternal impact, harmoniously balancing prudence, purpose, and provision as guided by Scripture.
Funds

Ministry Trust Fund

Designed for long-term investment of five years or longer, the Ministry Trust Fund is a common investment fund that provides annual income for ministries. Additionally, a portion of the investment growth is maintained each year to offset inflation. The Ministry Trust Fund has a performance track record of over 35 years, and it serves as a time-tested, biblically-screened portfolio tailored for the investment of your ministry dollars.

Morally
Screened

Avoids investing in companies whose activities conflict with Christian values.

Long-term
Record

Over 40 years of steady investment management across market cycles.

Diverse
Portfolio

Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.

Professionally Managed

Access to top fund managers and diverse institutional investments.

Reliable
Income

Designed to deliver consistent quarterly income for ministry needs.

Personalized Support

Guidance tailored to each ministry’s unique goals and needs.
  • Morally Screened: Avoids investing in companies whose activities conflict with Christian values.
  • Long-Term Record: Over 40 years of steady investment management across market cycles.
  • Diverse Portfolio: Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.
  • Professionally Managed: Access to top fund managers and diverse institutional investments.
  • Reliable Income: Designed to deliver consistent quarterly income for ministry needs.
  • Personalized Support: Guidance tailored to each ministry’s unique goals and needs.
  • Morally Screened: Avoids investing in companies whose activities conflict with Christian values.
  • Long-Term Record: Over 40 years of steady investment management across market cycles.
  • Diverse Portfolio: Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.
  • Professionally Managed: Access to top fund managers and diverse institutional investments.
  • Reliable Income: Designed to deliver consistent quarterly income for ministry needs.
  • Personalized Support: Guidance tailored to each ministry’s unique goals and needs.
Not FDIC insured

Cash Equivalent Fund

Georgia Baptist Foundation’s Cash Equivalent option helps ministries manage short-term funds with liquidity, stability, and faith-based oversight. Investments prioritize principal protection and reliable access at scheduled withdrawal dates.

Morally
Screened

Avoids investing in companies whose activities conflict with Christian values.

Long-term
Record

Over 40 years of steady investment management across market cycles.

Diverse
Portfolio

Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.
  • Morally Screened: Avoids investing in companies whose activities conflict with Christian values.
  • Long-Term Record: Over 40 years of steady investment management across market cycles.
  • Diverse Portfolio: Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.
  • Professionally Managed: Access to top fund managers and diverse institutional investments.
  • Reliable Income: Designed to deliver consistent quarterly income for ministry needs.
  • Personalized Support: Guidance tailored to each ministry’s unique goals and needs.
  • Morally Screened: Avoids investing in companies whose activities conflict with Christian values.
  • Long-Term Record: Over 40 years of steady investment management across market cycles.
  • Diverse Portfolio: Target allocations are reviewed quarterly and adjusted if imbalances exceed limits.
  • Professionally Managed: Access to top fund managers and diverse institutional investments.
  • Reliable Income: Designed to deliver consistent quarterly income for ministry needs.
  • Personalized Support: Guidance tailored to each ministry’s unique goals and needs.
Not FDIC insured
funds

Cash Equivalent

Investment Solution for Short-term Funds

Georgia Baptist Foundation’s Cash Equivalent option helps ministries manage short-term funds with liquidity, stability, and faith-based oversight. Investments prioritize principal protection and reliable access at scheduled withdrawal dates.
  • High-Yield Stability Approx. 3% annual yield† on short-term investments focused on capital preservation.
  • Predictable Liquidity Withdrawals available twice monthly for easy access.
  • Faithful Partnership Accounts managed by Georgia Baptist Foundation, serving churches since 1941.
Not FDIC insured. As of March 31, 2026, the Cash Equivalent option had a 3.13% annualized yield for the most recent quarter. Yields are variable and not guaranteed; past performance is not indicative of future results.
Endowment

Endowment Funds

As the trust agency for the Georgia Baptist Mission Board, we specialize in the management of endowment funds. The administration of endowed funds is a sacred duty, part of our responsibility in properly stewarding Kingdom resources. Adhering to state and uniform laws, our services are UPMIFA-compliant and follow the codes in the state of Georgia. The Foundation can also provide consolidated reporting if your ministry has multiple endowment accounts. With steadfast returns, predictable income and consolidated accounting services; we offer our ministry clients financial peace of mind, allowing them to focus on their primary ministry objectives.
Endowment

Endowment Funds

Most churches and ministries don’t have dedicated staff for planned giving—that’s where we come in. The Georgia Baptist Foundation provides personal guidance and practical tools to help your supporters give wisely and faithfully. Together, we make it possible for your ministry to enjoy the same caliber of charitable gift planning typically found in large nonprofit institutions.
16-Apr-26

The Ministry Fund Q1 2026 Commentary

The first quarter of 2026 was marked by heightened market volatility as renewed geopolitical tensions and rising energy prices disrupted expectations for easing interest rates. U.S. equity markets declined overall, with weakness concentrated in large-cap growth stocks, while value-oriented sectors—particularly energy—performed well. Bond markets also faced pressure as inflation concerns pushed interest rates higher.

Against this backdrop, The Ministry Fund generated a total return of +1.15% for the quarter, benefiting from diversified positioning and a focus on risk management. Select exposure to value-oriented sectors helped support results during a challenging period for broader markets. The Fund remains aligned with its long-term objectives, emphasizing prudent stewardship and capital preservation amid continued uncertainty.

Scott M. Mitchell, CAIA, CPA
Director of Investments

The Ministry Fund Q2 2026 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q3 2026 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q4 2026 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q1 2025 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q2 2025 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q3 2025 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q4 2025 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q1 2024 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q2 2024 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q3 2024 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q4 2024 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q1 2023 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q2 2023 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q3 2023 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Q4 2023 Commentary

No commentary has been added for this report yet.

No report PDF uploaded yet.

The Ministry Fund Performance Report

April 14, 2026

The Ministry Fund Q1 2026 Commentary

The first quarter of 2026 was marked by heightened market volatility as renewed geopolitical tensions and rising energy prices disrupted expectations for easing interest rates. U.S. equity markets declined overall, with weakness concentrated in large-cap growth stocks, while valueoriented sectors—particularly energy—performed well. Bond markets also faced pressure as inflation concerns pushed interest rates higher.

Against this backdrop, The Ministry Fund generated a total return of +1.15% for the quarter, benefiting from diversified positioning and a focus on risk management. Select exposure to valueoriented sectors helped support results during a challenging period for broader markets. The Fund remains aligned with its long-term objectives, emphasizing prudent stewardship and capital preservation amid continued uncertainty.

Scott M. Mitchell, CAIA, CPA

Director of Investments

3237

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About Georgia Baptist Foundation
© 2026 Georgia Baptist Foundation

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The Ministry Fund Portfolio

With The Ministry Fund, we are committed to managing funds from the perspective of faithful stewardship. Our goal is to help you do more for the Kingdom through the funds entrusted to your ministry.

The investment philosophy of The Ministry Fund is to provide Christian ministries an institutionally managed, biblically screened investment portfolio that provides consistent income, offsets the negative impact of inflation, and manages market volatility through appropriate diversification. The investment objective of The Ministry Fund is to provide an average return of 7.5% over a full market cycle (5-7 years). This objective enables the portfolio to pay out approximately 5% annually and retain 2.5% in the portfolio to offset inflation.

Our goal as believers is to avoid the things of the world, knowing that perfect avoidance is impossible until we stand before God.

The Ministry Fund provides the opportunity for ministries with smaller accounts to invest with institutional class managers who would normally require much larger account sizes to access their services. The Ministry Fund is managed by a host of professional institutional investment managers with a track record of outperformance. The investment managers represent a variety of different asset classes with unique investment approaches.

The asset allocation within The Fund is driven by the overall investment objective. Specific equity, fixed income, and alternative investment asset classes are used in the portfolio at the targeted percentage for each allocation shown in the graph. Portfolio allocations are subject to change. The portfolio allocation is reviewed quarterly and is not rebalanced unless the imbalance exceeds 2%. It is recognized that market action may cause an imbalance in the interim period. However, such fluctuations are normal and acceptable.

Payout distributed from The Ministry Fund is based on the Income Spending Policy. The Income Spending Policy payout shall be calculated and distributed as similar to a dividend for each unit of the pool. The payout percentage will be reviewed annually with the intent to increase the payout each year unless market conditions dictate otherwise.

The Ministry Fund was established in October of 1983. For over 40 years, The Ministry Fund has provided consistent investment management over multiple market cycles. Having weathered four significant market declines (1986, 2002, 2008, 2020), the Fund has proven its sustainability during down markets.

To make a deposit to Georgia Baptist Foundation, Inc., you can send payments by ACH, wire (contact for instructions), or check. ACH payments should go to account #31182723 at Truist Bank (routing #021052053). Checks should be mailed to

Georgia Baptist Foundation, Inc.,
PO Box 117475
Atlanta, GA 30368-7475.

Include account details and instructions. Gifts of stocks, mutual funds, and IRAs are also accepted. Withdrawals are processed on the 1st or 15th by mail or electronically with a signed form.

The Ministry Fund is committed to providing you with the highest possible professional services at the lowest cost. The fee is 80 basis points or .80% annually on the funds under management. For example, an account valued at $10,000 would pay a fee of $80 annually. The fee is deducted from a combination of both the principle balance and the accumulated income. The principle portion of the fee is prorated and deducted on a monthly basis. The balance of the fee is deducted on a quarterly basis from the accumulative income.

The Ministry Fund performance reports below are net of all fees. Use the link below to view our reports.
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