Reserves
The Charity Commission has a number of useful publications on reserves
Tell It Like It Is
Download here: http://www.charitycommission.gov.uk/Library/publications/pdfs/rs13text.pdf
A useful guide particularly when thinking about formulating a policy & justifying reserves
to funders
CC19 Charities Reserves
http://www.charitycommission.gov.uk/publications/cc19.asp
RS43 Charity Reserves
http://www.charitycommission.gov.uk/publications/rs3.asp
Charity Reserves & Defined Pension Schemes
http://www.charitycommission.gov.uk/supportingcharities/pensions.asp
OG43 Practical Example of a Reserves Policy
http://www.charitycommission.gov.uk/supportingcharities/ogs/g043e011.asp