Introduction: Ethical Doesn’t Have to Mean Long-Term
Not every investment has to be about long-term growth. Many charities hold cash for short-term needs, operational flexibility, or capital projects—but still want those funds managed ethically.
The Epworth Cash Plus Fund is built for this exact purpose: a short-term, liquid investment solution that reflects Christian values without compromising access, oversight, or prudence.
Whether you're a bursar managing school fees, a church treasurer overseeing reserves, or a charity CFO navigating cash flow, this fund provides a simple, transparent way to invest ethically—even at the short end of the spectrum.
What Is the Epworth Cash Plus Fund?
The Epworth Cash Plus Fund is a low-risk, short-duration fund designed for UK charities. It aims to:
- Provide capital preservation
- Deliver a competitive return over bank deposit rates
- Offer daily access to your money
- Maintain ethical integrity throughout
The fund invests primarily in high-quality short-term instruments—such as government securities, corporate bonds, and money market instruments—screened through Epworth’s ethical policy.
Who Is It For?
The Cash Plus Fund is ideal for charities and churches that:
- Need ready access to capital (within 7 days)
- Want to avoid large bank deposits with unclear ethics
- Hold reserves for operational costs, restricted funds, or capital campaigns
- Want a step up in return from traditional bank accounts
- Are seeking a values-aligned alternative to mainstream liquidity funds
Common Use Cases:
- Independent schools investing fee income
- Church circuits managing manse sale proceeds
- Mission agencies holding grant cash between disbursements
- Charitable trusts awaiting board decisions on deployment
- Dioceses managing short-term bursary or building funds
Why Not Just Use a Bank Account?
Traditional deposit accounts offer simplicity—but often at a cost:
- Low or negligible returns
- Exposure to banks financing fossil fuels or armaments
- Lack of transparency on how your money is used
The Cash Plus Fund gives charities a way to earn more, stay flexible, and uphold their mission—all within a professionally managed, regulated structure.
What Makes It Ethical?
The Epworth Cash Plus Fund applies our full suite of ethical exclusions, meaning your capital won’t be used to support:
- Fossil fuel production
- Tobacco and adult entertainment
- Payday lending and gambling
- Weapons or military systems
- Companies breaching human rights or labour standards
➡️ Review our ethical investment policy
All holdings are subject to ongoing ethical and credit risk review, with active oversight from our investment and ethical research teams.
Operational Benefits for Charities
- Daily dealing and T+4 settlement
- Low minimum investment threshold
- FCA-authorised and charity-exclusive
- No complex paperwork or governance required
- Transparent reporting to support trustees, auditors, and finance teams
Common Questions from Clients
Is the Cash Plus Fund a money market fund?
Not quite. It is a short-duration fund offering a better yield and more flexibility than many traditional money market vehicles—while still prioritising capital preservation.
Is there a notice period or penalty for withdrawal?
No. The fund offers daily liquidity with settlement typically in four days (T+4).
What kind of return can we expect?
While returns vary with interest rates, the fund is managed to outperform typical charity deposit rates while maintaining a low risk profile.
Can we open sub-accounts for different church or fund designations?
Yes, particularly through our Discretionary Charity Service, which allows detailed sub-accounting and reporting for complex structures.
Conclusion: Ethical Liquidity Made Simple
Charities and churches deserve investment options that are not only secure—but also spiritually and socially consistent. The Epworth Cash Plus Fund fills a critical gap: offering both ethical certainty and financial flexibility.
If you’re looking to move beyond bank deposits without taking on undue risk, this fund could be your next step.
👉 Speak to our team today about opening an account or switching from your current provider.
➡️ Learn more about the Epworth Cash Plus Fund