Balancing day-to-day cash needs with long-term investment decisions is not easy. Trustees are expected to meet Charity Commission standards and to clearly evidence how and why decisions have been made.
Our role is to provide a clear framework for managing reserves and longer‑term investments, so trustees can make decisions with confidence and justify them when it matters most.
Understand what is expected and make decisions you can clearly justify.
Portfolios aligned to your goals, risk level and values.
Clear reports, policies and guidance so decisions are straightforward.
Incorporate responsible and ethical investing in a practical way.
Portfolios designed to balance growth, income, liquidity and responsibility, with clear reporting to support trustee oversight.
Build or refine your reserves policy so you know how much to hold and why.
Clear, practical policies aligned with CC14 to support well‑evidenced trustee decisions.
Charity reserves policy template
Charity investment policy template
Trustee governance checklist
Cash and reserves strategy guide
All free, editable and designed for real trustee use.
Book a free trustee governance review
A focused 20-minute session to help you:
Check if your reserves and investment policies follow best practice
Understand if your cash and investments are appropriately balanced
Identify risks or gaps in your current approach
Improve how your board evidences decisions in policies and minutes
Clear advice. No jargon. No pressure.
We work with:
Whether you manage £250k or multi-million funds, support is tailored to your charity's responsibilities.
You will work with people who understand charity governance, investment decisions and trustee responsibilities.
Our role is simple: to help you make clear, well‑informed decisions, with the right support when you need it.
Charity investment management is the process by which trustees manage a charity’s funds to balance income, growth, risk and liquidity, while meeting governance and regulatory expectations.
A charity reserves policy explains why reserves are held, how much is appropriate and how they are managed. It helps trustees plan for financial stability and evidence good decision-making.
There is no fixed amount. The right level depends on your charity’s spending commitments, income predictability and risk exposure. A clear reserves policy helps define this.
Yes, many charities invest surplus reserves to protect against inflation and support long-term sustainability. Investments should align with the charity’s objectives, risk tolerance and values.
Trustees are expected to manage funds responsibly, document decisions, regularly review investments and ensure policies are in place, such as an investment policy and reserves policy.
A governance review typically looks at your reserves, investments, policies and decision‑making processes. It identifies gaps, risks and practical improvements trustees can act on.
Registered in England and Wales under Number 4830621. Registered Address: 23a Cross Street, Leamington Spa, Warwickshire, CV32 4PX
Charity Investment Management is a trading style of Simpson Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register Number 472031 at https://register.fca.org.uk The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:
The Financial Ombudsman Service, Exchange Tower, London. E14 9SR
Tel 0800 023 4567 or 0300 123 9 123
www.financial-ombudsman.org.uk