Your charity’s money has a purpose: supporting the people and causes that depend on you. Investment planning can help you consider how funds not needed immediately could support that purpose over time, while keeping the risks and your day-to-day commitments in view.
For charities, investment planning means balancing today’s commitments with the needs of future beneficiaries. Holding sufficient accessible reserves remains important, while funds earmarked for longer-term use may call for a different approach.
We can assess your charity’s circumstances, advise on suitable investment options and provide ongoing support. Our advice considers the purpose of the funds, when they may be needed and the level of investment risk the charity can reasonably take.
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We start by getting to know your charity, its financial position and what its funds need to support. We’ll discuss your income, planned spending and reserves, helping you consider what should remain accessible for services, grants and unexpected costs, and whether any funds could be invested for longer.
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If your charity already holds investments, we can review how well they reflect its current needs. We’ll consider performance, costs, access and risk alongside your objectives, helping you understand whether your existing arrangements remain suitable or changes may be appropriate.
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As an independent firm, we research a range of investment options before recommending an approach suited to your charity. Whether the aim is to provide income, pursue longer-term growth or a combination of the two, we’ll consider the purpose and timeframe of the funds, alongside any restrictions on their use. Different funds may need different approaches rather than a single strategy for everything.
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We can help you explore advisory and discretionary investment approaches. With an advisory approach, your charity retains the decision over recommended investment changes. With discretionary management, an appointed investment manager can make changes within an agreed mandate without seeking approval for each transaction. We’ll explain the responsibilities involved: delegating investment decisions does not remove trustees’ overall responsibility.
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We’ll discuss what investment losses could mean for your charity’s activities, not just how comfortable you feel with market movements. Your approach needs to reflect the charity’s ability to absorb losses without compromising its commitments. Spreading investments across different assets can help manage exposure, but does not remove the risk of loss.
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Through an agreed ongoing service, we can review your arrangements regularly and recommend adjustments where appropriate. Changes in funding, demand for your services or planned projects may affect how much you can invest and when you need access. We’ll help you revisit your approach as your charity’s circumstances evolve.
Investment decisions should further your charity’s purposes and be made in its best interests, both now and for the future. We can help you consider how investment recommendations fit with those priorities, including any relevant investment policy or restrictions.
Your charity’s purpose may also shape the investments it wishes to hold or avoid. We’ll discuss relevant considerations alongside financial objectives, risk and costs. Trustees remain responsible for investment decisions and should keep a record of how they reached them. Our role is to provide clear investment advice to support those discussions, working with your other professional advisers where appropriate.
Whether you’re reviewing existing investments or considering investing for the first time, speak to our team in a free, no-obligation consultation. We’ll start with your charity’s priorities, the commitments its money needs to meet and what you want it to support in the years ahead.
Important information: The value of investments and the income from them can fall as well as rise, and you may get back less than you invest. Investment recommendations depend on your charity’s circumstances, objectives, restrictions and capacity for loss. This content provides general information and is not an investment recommendation or legal advice. We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit.