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While the exact best age to purchase a deferred annuity will be different for each annuity investor, financial planners generally agree that between the ages of 45 and 55 is optimal.
Thus, under the current Salvation Army Charitable Gift Annuity rates, subject to individual circumstances, a person 65 years of age giving a single life charitable gift annuity could see a income return of 5.3%, and a person 80 years of age giving a single life charitable gift annuity could see a income return of 7.5%.