Investment knowledge centre

WHY DO CHARITIES INVEST?

Whether you’re new to investing, or an old hand, our resources can help you make the most of your charity’s funds.

The value of investments may fall as well as rise. You may not get back the full amount that you originally invested. Past performance is not a guide to future performance. There is no guarantee about the level of capital or income returns that will be generated.

WHAT ARE THE BENEFITS OF INVESTING?

Whatever the size of your charity, making the most of your funds is one of the biggest responsibilities you face. As a charity, there are several reasons you might want to invest your money:

  • Maximise your long-term funds, in line with the Charity Commission guidance.
  • Generate a sustainable, reliable income to support your charity.
  • The potential to grow your money to expand in the future.
  • Could protect your funds against the impact of inflation.
  • The potential to generate better returns than holding cash in a bank account.

WHAT SHOULD WE INVEST IN?

We can't make those decisions for you, but we've put together a guide to getting started. If you need guidance, talk to an independent financial adviser before investing. When speaking to an adviser, make sure they have experience in advising charities about investing – and ask for references.

HOW DO I CALCULATE OUR RISK APPETITE?

Every investment carries risks, even a simple cash deposit, but it's important to understand and manage them. You need to think about everything from how comfortable you are that the total value of your charity's assets might fluctuate, to how easily you need to access your money.

Our article on writing an investment policy includes some things to think about when calculating your appetite for risk
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SHOULD WE SPEAK TO AN INDEPENDENT FINANCIAL ADVISOR?

Different investments suit different investors; an independent financial advisor can assess your individual circumstances and offer investment advice for your charity, including an overview of your investment options, recommendations for the best route and provide ongoing support as you manage your charity's funds.

LEARN MORE ABOUT CHARITY INVESTING

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CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority FRN 189450. Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. CFSL is a subsidiary of Charities Aid Foundation (registered charity number 268369).

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