If you are concerned that prices will inevitably fall, a charitable gift annuity may be a good way for you to turn your paper profits into income.
Annuities are the most secure of all life income gifts.
When you give cash or securities to establish an annuity, you will receive fixed annual payments for the rest of your life. Your rate of return is based on your age at the time the annuity is established. This rate is guaranteed, no matter how long you live or what happens to the economy. Joint annuities can be established at slightly lower rates to provide you and a beneficiary with income. Cornell University offers charitable gift annuities as a service to its alumni and friends who ultimately want to make a generous gift to Cornell, but who need income from their investments now.