Common Trust Fund

The Common Trust Fund (CTF) investment options are comprised of funds that are selected either from the broad market of mutual funds (Total Market funds) or of funds selected from mutual fund companies that strive to be socially responsible (Socially Responsible Investing).

Total Market Funds

Meet specific investing objectives.

The CTFs are comprised of various investment strategies designed to meet a specific investment objective. We use analytical tools to determine the appropriate asset allocation between stocks, bonds, and money market exposure to achieve the optimal balance of risk and return.

Note: Specific social investment screens are not applied to mutual fund selections held in the Total Market CTF.

Socially Responsible Investing

Invest with society and the environment in mind.

Socially responsible investing options go one step further. By screening out companies engaging in business activity that conflicts with our stated core values, these options offer funds that seek to invest in companies whose products and services benefit society with limited negative effect to the natural environment. 

Investment return, while sometimes reduced, should not be the upmost concern for the investor selecting from these options. Even though the process is not perfect, this option is a valid attempt to invest in funds that are consistent with core values of the Brethren in Christ.

CTF Investment Options

Our Common Trust Fund Investor Questionnaire can help you select the right fund for your needs, goals, and values.

About Common Trust Funds

Nature of Investment

The CTFs are not investments in the Foundation and are not insured or guaranteed by the Foundation. The CTFs are not FDIC-insured.

The CTFs are intended to be funds maintained by a charitable organization excluded from the definition of an “Investment Company” under Section 3(C)(10)(B) of the Investment Company Act of 1940. The services to be provided by the Foundation in connection with the CTFs are intended to be trust or fiduciary services.

Neither the Foundation nor any of its directors, officers, or employees are registered as an investment adviser under the Investment Advisers Act of 1940 or may render any advice or recommendation concerning the advisability of investing in or through the CTFs or investing in, purchasing, or selling any securities.


Brethren in Christ churches, church agencies and other BIC-related tax-exempt organizations are eligible to place their funds with the Brethren in Christ Foundation, Inc. for investment through one or more common trust funds in accordance with this Agreement. The United Christian Church, United Zion Church, their congregations and related organizations are also eligible. CTFs are also available to individual donors who have established Gift Deposit accounts.

Learn More

Contact Dave Strausser for more information.

(717) 796-4788 ext. 5418