{"id":45450,"date":"2025-12-15T15:45:09","date_gmt":"2025-12-15T15:45:09","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?p=45450"},"modified":"2026-05-26T18:16:13","modified_gmt":"2026-05-26T18:16:13","slug":"new-charity-investment-governance-principles-give-greater-clarity-to-trustees","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/new-charity-investment-governance-principles-give-greater-clarity-to-trustees","title":{"rendered":"New Charity Investment Governance Principles give greater clarity to trustees"},"content":{"rendered":"\n

Jeffrey Ball<\/a>
Director, Wealth Manager \u2013 Charities
RBC Brewin Dolphin<\/p>\n\n\n\n

In a first for the charity sector, Charity Finance Group (CFG) has developed Charity Investment Governance Principles (CIGPs), a set of guidelines designed to give charities more confidence when making investment decisions. Jeffrey Ball, Director, Wealth Manager \u2013 Charities, explores the principles.<\/p>\n\n\n\n

The principles come hot on the heels of the 2023 update to the Charity Commission\u2019s guidelines on investing charity money (CC14) and complement the existing Charity Governance Code.<\/p>\n\n\n\n

Key principles<\/strong><\/h2>\n\n\n\n

A steering group consulted with over 100 charities and several advisers, with the Charity Commission acting as an independent adviser. As a result, the following seven principles were created to promote excellence in financial decision-making by charity leaders:<\/p>\n\n\n\n

1. Purpose of investments<\/strong><\/h3>\n\n\n\n

It is essential that trustees have a shared understanding of why they are investing, and that it is a way to further the charity\u2019s purpose.<\/em><\/p>\n\n\n\n

CC14 reminds charities, even small ones, to consider their investment strategy, which includes cash in the bank. Charities can create a sustainable financial platform by making reserves work harder, generating a better financial return and increasing impact for beneficiaries. It\u2019s therefore essential that any legal responsibilities, investment requirements or restrictions, and crucially, the charity\u2019s time horizon, are understood and recorded.<\/p>\n\n\n\n

2. Leadership<\/strong><\/h3>\n\n\n\n

Even for charities with large executive teams, it is the trustees who have ultimate and collective responsibility for the charity\u2019s investments.<\/em><\/p>\n\n\n\n

Trustees typically form an investment committee or have finance staff working with an external manager, with at least two experienced trustees providing oversight.<\/p>\n\n\n\n

Decisions are guided by clear terms of reference and are reviewed by the full board.<\/p>\n\n\n\n

3. Integrity<\/strong><\/h3>\n\n\n\n

Charities are ultimately for public benefit; therefore, it is essential that the charity\u2019s purposes are at the forefront of any investment decisions.<\/em><\/p>\n\n\n\n

Trustees must remember that personal opinions or interests must not influence or conflict with any decisions relating to the charity\u2019s investments. Trustees must document conflicts of interest and risks to avoid reputational harm and prevent private benefit.<\/p>\n\n\n\n

When investing, charities must balance potential benefits against risks, prioritising the charity\u2019s best interests and aligning investments with its purposes. This ensures responsible decision-making and compliance with the CC14 guidelines.<\/p>\n\n\n\n

4. Decision-making, risk and control<\/strong><\/h3>\n\n\n\n

Through effective leadership, with integrity, it means effective systems can be established to ensure good decisions are made. Charity trustees must understand their risk appetite, seek expert advice where needed, and monitor investments regularly to ensure they align with the charity\u2019s goals.<\/em><\/p>\n\n\n\n

Trustees should have a valid reason for not seeking advice, such as sufficient in-house expertise or low-value investments. An investment manager will primarily be responsible for monitoring and reviewing investments to ensure they align with the charity\u2019s goals.<\/p>\n\n\n\n

5. Effectiveness<\/strong><\/h3>\n\n\n\n

It is key that the board has confidence in the delegated oversight and the underlying processes are effective.<\/em><\/p>\n\n\n\n

Charity trustees often lack investment expertise or experience, so it\u2019s crucial they\u2019re confident that those responsible for investment decisions have the right skills and knowledge. The level of this oversight should match the size and complexity of the investments, giving trustees the confidence to ask questions and challenge decisions. Investments should be given dedicated time for discussion at trustee meetings.<\/p>\n\n\n\n

6. Equity, diversity and inclusion<\/strong><\/h3>\n\n\n\n

The board ensures that all those involved in the charity\u2019s investments are committed to understanding and actioning equity, diversity and inclusion.<\/em><\/p>\n\n\n\n

Including diverse perspectives and viewpoints in investment decisions can lead to better outcomes, while a lack of diversity can result in groupthink and weaker decision-making.<\/p>\n\n\n\n

Meetings encourage broad discussion with equity, diversity and inclusion built into topics of discussion when talking about investments. This can consist of areas such as responsible investment, social investment, addressing the climate crisis, or the origin of the charity\u2019s assets.<\/p>\n\n\n\n

7. Openness and accountability<\/strong><\/h3>\n\n\n\n

Building trust through openness and accountability helps all charities deliver their public benefit.<\/em><\/p>\n\n\n\n

Charities should clearly disclose their investment policies in annual reports or websites, and the board should consider how these decisions might affect their reputation among stakeholders and the public.<\/p>\n\n\n\n

The annual report should include how the investments have performed over the year and what is included in the investment policy. Typically, the charity\u2019s main investment adviser is named. Alongside required accounting information, a charity should include why it invests, how it furthers its purposes, what its governance structure is and its mechanisms for addressing any conflicts or risks.<\/p>\n\n\n\n

RBC Brewin Dolphin\u2019s work with charities<\/strong> <\/h2>\n\n\n\n

These principles provide a strong framework for investing, but it\u2019s essential to discuss them with an experienced investment manager who specialises in charitable investments and is aware of the CIGPs.<\/p>\n\n\n\n

The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Jeffrey Ball explores the Charity Investment Governance Principles, designed to give charities more confidence when making investment decisions.<\/p>\n","protected":false},"author":145,"featured_media":45455,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[809],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[],"rbcwm_solution":[813],"rbcwm_topic":[756],"rbcwm_channel":[102],"rbcwm_format":[779],"class_list":["post-45450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulation","rbcwm_solution-regulation","rbcwm_topic-market-analysis","rbcwm_channel-charities","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Jeffrey Ball explores the Charity Investment Governance Principles, designed to give charities 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