Ensuring the survival of the fund is often the primary goal of any foundation or endowment. Maintaining the principal and spending power of a fund so that benefits available for current recipients are the same for future generations is a challenging task, but when shocks to the global economy and financial markets occur, the challenge may seem impossible. Shocks can come from within the markets, as in the subprime loans of the 2008 financial crisis, or from external factors, such as with the coronavirus pandemic we are experiencing now.