Reserves sitting in a current account quietly lose value to inflation. This guide explains how trustees can think about investing longer-term reserves in line with their policy and legal duties.
Holding years of reserves in cash can be as much a risk as holding too little — inflation erodes them and trustees may be failing their duty to manage funds well. Regulated, sector-aware investment advice turns idle reserves into a managed asset.
This page explains, in plain English, what this area involves — so you know the questions worth asking.
Regulated advice can only come from an FCA-authorised firm. You can search the FCA register, or ask us for an introduction to Equity & General, the firm we have an introducer agreement with.
Any introduction is optional and free. If you go on to take advice, the adviser explains any fees before anything goes ahead.
For longer-term reserves, often yes — trustees have a duty to manage funds prudently, and cash loses value to inflation. A regulated adviser can advise in line with your policy and duties.
Widely available and often expected in the sector — you can invest reserves in ways consistent with your mission. A regulated adviser can advise on suitable options.
Trustees must act prudently and in the charity's best interests, following a proper investment policy. Regulated advice helps them meet those duties confidently.
General information only. This page explains a topic in general terms. It is not advice, a personal recommendation or a financial promotion, and it does not invite or encourage you to buy any product or service. Everyone's circumstances are different.
Regulated financial advice can only be given by a firm authorised by the Financial Conduct Authority — you can find one on the FCA register (register.fca.org.uk). Buzz Accounting is not authorised to give regulated financial advice. We have an introducer agreement with Equity & General (E&G), authorised and regulated by the FCA (No. 474163); if you would like, we can introduce you — that is entirely optional and there is no obligation.
The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Your home may be repossessed if you do not keep up repayments on a mortgage. Tax treatment depends on your individual circumstances and may change. Will-writing, trusts and some estate-planning services are not regulated by the Financial Conduct Authority.
