A good reason to feel chirpy in a bear market

The COIF Charities Deposit Fund’s current yield is 3.74% (AEY), with an extra 0.10% for balances over £15 million.

For the latest yields, visit ccla.co.uk eturns are not guaranteed and are subject to change. Past performance is not a reliable indicator of future sults. The value of investments and the income derived from them may fall as well as rise. Capital is at risk and ou may get back less than you invest. Data as at 6 March 2023. The annual equivalent yield (AEY) shows what ould be distributed if the current daily yield was compounded over a year. Under Money Market Fund Regulation, e COIF Charities Deposit Fund is categorised as a short-term Low Volatility Net Asset Value (LVNAV) Money arket Fund. A deposit in the fund is not the same as making a deposit with a bank or other deposit taking body nd is not guaranteed. Although it is intended to maintain a constant net asset value, there can be no assurance at it will be maintained. The COIF Charities Deposit Fund does not rely on external support for guaranteeing the uidity of the fund or stabilising the net asset value. Issued by CCLA Investment Management Limited, authorised nd regulated by the Financial Conduct Authority.

I grew up in the West Midlands in the 1980s in a largely white working class area. It was a politically charged time. It saw huge economic dislocation that negatively affected local communities such as my own, the effects of which are still very apparent today. I became interested in social justice issues from a very early age as a direct result of this experience. By the time I went to university, I knew I would dedicate myself to the social impact sector. But I wanted experience in the private sector frst, and for a few years after university, I worked in new product and business development in the publishing industry.

Private sector experience has helped shape my leadership approach particularly when it comes to developing entrepreneurial and sustainable approaches. One of my roles involved identifying content gaps and creating new magazines and websites to meet the needs of business professionals. Identifying opportunities, solving problems and creating solutions has resonated throughout my career.

I’ve found mentoring to be one of the most valuable forms of development support. People who ve ‘been there and done that’ are particularly helpful when you re thinking about the challenges of a new situation. One of my previous roles was heading up a mentoring organisation called Brightside. It connects volunteer mentors, from all professions, with 16 24 year olds who wouldn t have the chance to meet people with this knowledge and experience otherwise. It makes a huge difference to young people to have someone help them make informed decisions about their future.