Certificates of Growth
Certificates of Growth
Returns with Kingdom Purpose
Certificates of Growth (COGs) are fixed rate instruments that provide opportunities for South Carolina Baptist Convention (SCBC) affiliated individuals, churches, and ministries to actively invest in church and Kingdom growth!
How it works: COG investors receive a competitive fixed return on a time investment. COG funds are then used to assist in the financing of projects for new or existing South Carolina Baptist churches at affordable rates.
Through investment in COGs, YOU are helping churches get the resources they need to fuel their Gospel mission through growing and enhancing their facilities. In this way, SC Baptists help other SC Baptists!
We will offer Certificates of Growth only in South Carolina. Certificates of Growth are offered only by the Offering Circular. Please click below for complete details and to view the Offering Circular.
The difference
Terms & Rates
Find the Right Fit
Whether you’re looking for a shorter commitment or a longer-term investment, Certificates of Growth offer a range of term options to meet your needs. Select the term that’s right for you and enjoy the confidence of a fixed rate throughout the investment period.
Redemptive Investments
While we screen the things we do not want ministry funds to support, we are increasing our efforts to proactively invest in the things that honor and glorify God.
Redemptive investments money managers
Our Investment Funds
Our Services
Screened Investments
Your ministry can have confidence in how your funds are invested. Our investments are actively screened to avoid companies that go against Christian principles. We want to honor and steward what God has given us to the best of our ability.
Kingdom Fund
“The Kingdom of heaven is like a mustard seed…Though it is the smallest of all seeds, yet when it grows, it is the largest of garden plants..” Matthew 13:31-32, NIV
PURPOSE
The Kingdom Fund is designed to produce long-term growth over multiple years and changing market cycles. This strategy desires to outperform annual spending requirements, annual inflation and fees associated with investing, while managing strategic risk. This portfolio invests in stocks, bonds, real assets and alternatives.
WHO SHOULD INVEST
Investors who are tolerant of market volatility. This is an excellent fit for endowed and long-term funds.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Storehouse Fund
“Bring the whole tithe into the storehouse, that there may be food in my house.” Malachi 3:10, NIV
PURPOSE
The Storehouse Fund is designed to produce growth through short-term investing cycles. This strategy desires to outperform traditional money market funds and short-term CDs. This portfolio invests in real assets, bonds and other high-quality fixed instruments.
WHO SHOULD INVEST
Investors focused on short-term income needs and a low tolerance for risk.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Harvest Fund
“They sowed fields and planted vineyards that yielded a fruitful harvest.” Psalm 107:37, NIV
PURPOSE
The Harvest Fund is designed to produce growth of principal while generating income. This diversified portfolio invests in stocks, bonds and high-quality income producing investments.
WHO SHOULD INVEST
Investors who are tolerant of some market volatility. This is an excellent fit for ministry investments focused on future planning.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Money Market
PURPOSE
The Money Market Fund is designed to maintain cash holdings for distributable purposes. The fund is comparable to traditional bank money market funds, the goal of which is safety over income or growth.
WHO SHOULD INVEST
Investors may utilize the money market fund to invest a portion of funds for very short-term cash needs in which there is no margin for volatility. Some investors place a small portion of their total investment in a money market fund to protect that portion from potential volatility.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Kingdom Fund
“The Kingdom of heaven is like a mustard seed…Though it is the smallest of all seeds, yet when it grows, it is the largest of garden plants..” Matthew 13:31-32, NIV
PURPOSE
The Kingdom Fund is designed to produce long-term growth over multiple years and changing market cycles. This strategy desires to outperform annual spending requirements, annual inflation and fees associated with investing, while managing strategic risk. This portfolio invests in stocks, bonds, real assets and alternatives.
WHO SHOULD INVEST
Investors who are tolerant of market volatility. This is an excellent fit for endowed and long-term funds.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Storehouse Fund
“Bring the whole tithe into the storehouse, that there may be food in my house.” Malachi 3:10, NIV
PURPOSE
The Storehouse Fund is designed to produce growth through short-term investing cycles. This strategy desires to outperform traditional money market funds and short-term CDs. This portfolio invests in real assets, bonds and other high-quality fixed instruments.
WHO SHOULD INVEST
Investors focused on short-term income needs and a low tolerance for risk.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Harvest Fund
“They sowed fields and planted vineyards that yielded a fruitful harvest.” Psalm 107:37, NIV
PURPOSE
The Harvest Fund is designed to produce growth of principal while generating income. This diversified portfolio invests in stocks, bonds and high-quality income producing investments.
WHO SHOULD INVEST
Investors who are tolerant of some market volatility. This is an excellent fit for ministry investments focused on future planning.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Money Market
PURPOSE
The Money Market Fund is designed to maintain cash holdings for distributable purposes. The fund is comparable to traditional bank money market funds, the goal of which is safety over income or growth.
WHO SHOULD INVEST
Investors may utilize the money market fund to invest a portion of funds for very short-term cash needs in which there is no margin for volatility. Some investors place a small portion of their total investment in a money market fund to protect that portion from potential volatility.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
About Investing
Ministries maintaining investment (agency) accounts may choose to invest totally in one of the individual funds or choose a blend of funds based on individual investment objectives. The investor chooses whether earnings will be reinvested or dispersed directly to them.
The Foundation can assist the church with developing an annual distribution strategy for ministry endowed and cemetery funds.
Endowed and trust funds given to the Foundation to invest for the benefit of a donor’s chosen ministry or ministries are invested as prescribed by the Foundation’s trustees. Endowed funds in which the Foundation has been entrusted to manage are invested in the Kingdom Fund with an annual distribution policy that provides steady annual payments without encroachment on fund corpus (principal).
Funds to be invested are initially placed in the money market fund until the first business day of the month following the date the funds are received. Monies are then allocated according to the investment allocation for the account.
Management fees generated through investment with the Baptist Foundation of SC are some of the lowest around!
let's get started
We would love to hear from you!
Together we can find ways for your ministry to make a bigger impact for the Kingdom. Reach out to us to schedule a time to talk and discuss what funds and custom plan we can create for your ministry to better steward the resources God has given you.