CAF Investment Account

WHY DO CHARITIES INVEST?

Whatever the size of your charity, making the most of your funds is one of the biggest responsibilities you face.

WHAT ARE THE BENEFITS OF INVESTING?

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 ARE THE RISKS OF NOT INVESTING?

If you're ready to invest, why wait?

It's always wise to carefully consider any investment decision, especially when you're investing on behalf of your charity. But it's also one of the easiest decisions to put on the back burner, and there's a very good reason to get started sooner rather than later:

Cash isn't always king

With interest rates at record lows, keeping your charity's money in the bank can eat into your funds, rather than keeping up with inflation. And that means you could struggle to meet your financial obligations to your donors and beneficiaries, as well as your responsibility to make the most of your charity's funds.

Read our article Investing as a charity - why cash can't always cut it.


Different investments suit different investors, so you may want to get advice from an independent financial adviser. To find one in your area, visit www.unbiased.co.uk.

COMMON CONCERNS ABOUT CHARITY INVESTMENT

  • I've never invested before and I need some reassurance that it's right for our charity.


    If you're a first-time investor, don't worry: lots of other charities have been in your shoes.

  • Do we need a written investment policy before we start investing?


    If your trustees have decided to invest your charity's money, you’re legally required to have a written investment policy. 

    Read our article on writing an investment policy
  • Doesn’t investing take up too much time?


    Investing your charity's funds can take up time and resource that you can spend elsewhere. The CAF Investment Account is specially designed to help you manage your investments as efficiently as possible.

    Why choose the CAF Investment Account?
  • How do I choose the right investments to meet my charity's financial goals?


    Whatever your charity's objectives, the CAF Investment Account gives you the power to invest in the way that suits you.

    What are my investment options?

ARE YOU READY TO INVEST? IT’S TIME TO GET STARTED

One application gives you access to the full range of investment options through the CAF Investment Account.

FREQUENTLY ASKED QUESTIONS

  • What should we invest in?

    We can't make those decisions for you, but we've put together a list of factors you may want to consider. 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 – 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

  • Should we speak to an independent financial adviser?

    Different investments suit different investors; an independent financial adviser can assess your individual circumstances, give you an overview of your options, recommend the best route and provide ongoing support. To find one in your area, visit www.unbiased.co.uk.

Can’t find the answer to your question?

If you can’t find what you’re looking for, our team can help.

Get in touch now

Want to know more?

TAKE THE NEXT STEP

Ready to sign up to the CAF Investment Account?

Get started

Important information

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 gains or income that will be generated.

Full legal information 

Regulatory information

RELATED CONTENT

Keep your head in volatile markets


Successful investing for your charity is all about a long-term view and a long-term strategy.

Socially responsible investment: ethics over profits?


Find out why tough markets are a great opportunity to take a fresh look at socially responsible investing.

Delegate to accumulate


Explore how committees can help charities make better investment decisions.

Disclaimer

The CAF Investment Account is offered to you by CAF Financial Solutions Limited (CFSL) and is operated and supplied by Interactive Investor Trading Limited. Interactive Investor Trading Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Standon House, 21 Mansell Street, London E1 8AA.

CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority. 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).


Charities Aid Foundation © 2016 | Registered Charity Number 268369
25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA Telephone: 03000 123 000
10 St. Bride Street, London EC4A 4AD Telephone: 03000 123 000