The Kentucky State University Thorobreds Foundation, Inc. utilizes Kentucky State University's Endowment and Investment Policy which has proven positive results for the prudent management of donor funds. From December 31, 2018 to December 31, 2024 the University's Endowment has grown from $17,000,000 to nearly $26,000,000.
The Ryan Stinson Scholarship Endowment would be held in the KSU Thorobreds Foundation, Inc. Investment Account through Schwab. We have partnered with Mariner Wealth Advisors in Covington, KY to provide real-time support and advice to make the best investment decisions with your funds.
The policy that governs the safeguarding of your scholarship account was drafted by industry experts. As such, your funds would be invested in the following asset categories:
The policy that governs the safeguarding of your scholarship account was drafted by industry experts. As such, your funds would be invested in the following asset categories:
| ASSET CATEGORY | TARGET | RANGE | Sub-Annual Impact (Projected 4% Annual Award) |
|---|
| DOMESTIC LARGE CAP. EQUITY | 50% | 40 – 58% | $25,000 = $1,000 |
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| DOMESTIC MID/SMALL CAP. EQUITY | 20% | 15 – 25% | $50,000 = $2,000 |
|---|
| INTERNATIONAL EQUITY | 0% | 0 – 5% | $100,000 = $4,000 |
|---|
| FIXED INCOME | 28% | 23 – 37% | $500,000 = $20,000 |
|---|
| REAL ASSETS | 0% | 0 – 5% | |
|---|
| CASH | 2% | 0 – 2% | KSU Endowment Historical Growth (Return on Investments) |
|---|
| Kentucky State University's five-year investment return average (2020-2024) has been 6.24% annual growth. |
| The historical growth is listed to the right. | 2019 | 7.59% |
| 2020 | 11.21% |
| 2021 | 12.86% |
| 2022 | (-15.89%) |
| 2023 | 12.45% |
| 2024 | 10.42% |
We recommend that disbursements should be made solely from investment earnings. The annual spending amount will be calculated using the market value as of December 31 each year, applying a smoothing formula based on the rolling average of market values over the past 12 quarters. Each year, 4% of this rolling average will be allocated for scholarships awarded to students selected by the Scholarship Committee.
Using the hypothetical balance ($100,000), the below table highlights an average annual return on investments of 8%, the maximum 1% in fees, and a 4% annual scholarship award. Please note the balances include no additional donations each year.
| Year | Balance | Growth | Scholarships | Maximum Fees |
|---|
| 2025 | $25,000.00 | $2,000.00 | $1,000.00 | $250.00 |
| 2026 | $25,750.00 | $2,060.00 | $1,030.00 | $257.50 |
| 2027 | $26,522.50 | $2,121.80 | $1,060.90 | $265.23 |
| 2028 | $27,318.18 | $2,185.45 | $1,092.73 | $273.18 |
| 2029 | $28,137.72 | $1,125.51 | $1,125.51 | $281.38 |
The projected January 1, 2030 balance would be $28,981.85 and the previous five years would have resulted in $5,309.14 in student impact. As the fee structure is designed to be a maximum fee, the growth would likely be larger.