The Ramar Charftsble Settlement
RegiSte￿d Charlty number 326443
CONTENTS
Page
Synopsis
Report of the Trustees
Report of the Independent Examlner
ststement of Financlal Activ5ties
Balance Sheet
Notes to the Accounts
11>14
IIPage

The Ramar Charitable Settlement
Registered Charity number 326443
SYNOPSIS AT 5 APRIL 2024
The Ramar Charltable Settlement
ReB15tered Addres5:
23 Pavillon Cour¢ Mount Vernon. Frognal Rlse, London. NW3 6PZ
Ronald Sidney Goldsteln
Truste￿.
The names of the Tnistees ¥rt￿ served durlng the year ended 5
Aprll 2024 are as follows
Ronald Sldney Goldsteln
Hllary Ann Goldsteln
Rlthard Brlan Goldsteln
Mandy Laura Isaacs
Allson Ruth Mendel
The tntst deed allows contlnulftg trustees to appolnt addltlonal
trustees with a mlnlmum of three persons and a maxlmum of
Temis of Tnis
The Tntstees are dlrerted to hold the capltal and Income of the
trust fund for suth charttsble purposes of charltable Instltutlons as
the Trustees shall In their absolute discretlon thlnk fit. The
Tntstees have power to appoint capital or Income absolutely to or
upon any such tharitable trusts.
Durln8 a perlod of t**nty one years from 12 Ortober 1983 the
Trustees were able to accumulate all or any art of the Income as an
accretion to the capitsl of the trust. The perlod of accumulatlon
ended on 12 October 21YJ4.
Date of Establlshment
12 October 1983
21 years from 12 October 1983
Bankers:
Coutts & Co
44 Strand
London
WC2R OQS

Ramar Charitable settkn￿nt
Registered Charlty number 326443
SYNOPSIS AT 5 APRIL 2024 IcoThtlnued)
Inde￿ndent Examlner
S D Cla￿e FCA
ICAEW
71 Bedford Road
London N2 9DB
Invesbnent Addr￿.
Thests Investment Management Pl
Exchange Building
St John's Street
Chichester
West Sussex
Po￿ ILP
Solltltors:
BDB Witmans LLP
One Bartholomew Close
LorKlon
ECIA 7BL
Rqlstered Charlty Numbw 326443

The Ramar Charitable Settlement
Registered Charlty number 326443
REPORT OF THE TrUSTEES
The Trustees suknit thelr report and accounts forthe year ended 5 April 2024. The accounts have
been prepared In accordan￿ with the account policies set out on page 9 and comply with the
Charitys trust deed and applicable law.
The Trustees are re¥K•nsible for preparing the TnLStee< Report and the financial 5tatemerrts in
accordance with United Klngdom Generally Attepted Accounting PrartI￿ (United Kingdom
Accountlng Standards) and applicable law.
Under charity law the Trustees must not approve the financial statement unless they are satlsfied
that they give a true and fr4lr view of the state of affair5 of the Charity and of its net outgoing
resources for that perlod in preparing finanoal statements. the Trustees are required to:
select suitable accounti￿ pofKies and th￿ appty then consistently.
make judgements and estimates that are reasonable and prudent;
state whether applicable accounting standards have been followed. subjett to
any material departures disdosed and explained in the financial ststements;
prepare the fina￿la1 statements on the going co￿eming basis unless it Ss
inapwopriate to presume that the Charlty will continue to operate.
The Trustees are responslble for keeping property accounting records that are sufficient to show and
explaln the Charftvs transactlons and disdose wlth reasonable accuracy at any time the financial
Posttion of the Charity and enable them to ensure that the financial statements comply with the
Charities Act 2011. They are also responsible for safeguarding the assets of the Charity and the
Charity and hen￿ taking r&3sonable steps for the prevention and detection of fraud and other
Irregularftles.
The Ramar Charitsble Settlanent was estsblished by a Deed dated 12 October 1983 and is an
unincorporated charttable trusL
The Trustees consider making grants to a broad range of United fingdom and overseas charitles,
where possible concentrating on the relief of suffering and poverty and on education. Claims for
individuals are not considered by the Trustees. In order to meet the objects of the Charity besL the
Trustees consider appeals quarterly and make their grants on a similar timescale.
l)uring a pertod of twenty two years from 12 October 1983 Tnistees were able to accumulate all
of any part of the Income as an accretion to the cawal of the trusL The perk)d of accumulation
ended on 12 (knber 2004. Accumulated income ha5 been Invested to produce capital growth and
additlonal I￿oMe both of whlch to enable the trust to increase its char5tsble activitles.

The Ramar Charitable Settlement
Registered Charlty number 326443
There are no plans to appoint new trustees and there are no restrlctions on the length of time that a
Trustee can serve.
REVIEW OF THE AcnviTIES AND FINANaAL POSITION
The assets of the Charity conslst prfndpally of pmperty. Investments and cash whlch are managed so
as to maintaln the value of the Trusvs Capltsl Fund whlle at the same tlme provldlng sufficient
income to meets Its charltable objects. The assets are recorded on the Balance Sheet and
supportlng notes at their market value on that date. Any Increase or decrease over cost on the
restatement at these values Is recorded in the Ststement of Financial ActNities.
Ourlng the year, the Investment portfollo fias retalned Its value In oplnlon of the Trustees.
The results for the year are set out on page 7. To summarise incoming resources totalled £ICKI,169
(2023: £81.968) Charftable grants payable for 2024 totalled £63.320 {2023: £72.145) with grants to
21 or8anisations12023: 23}. This is in line wfth the le¥el of activity that the Trustees require and
future annual actlvlty Is expected to be at a similar level.
At the Balance Sheet date the charitable fund was valued at £1,726,70912023: £1,609,744).
The Trustees are satlsfled that the trust assets are avallable and adequate to fuffil Its obllgatlons.
The Trustees alm to contlmje to use IrKome generated by the Capltsl Fund to make grants to UK and
overseas charities concentratlng where possible, on the relief of sufferlng and poverty and on
educatlon.
Rlsk fflanagement
The Trustses have not identffied any specific rlsks that attach to the admlnSstration of the Trust.
Grant maldng pollcy
The Trustees meet regularly to consider applications from a wlde range of tharities. During the
period ended 5 Aprfl 2024, the Trustees have supported charltles in a number of areas In Ilne wfth
the charltsble objectives of the Foundation as set out in note 3.
The Trustees will contlnue to make grants to or8antsatlons In furtherance of the Charlvs objertives

The Ramar Charitable Settlement
Registered Charity number 326443
REPORT OF THE TRUSTEES {contlnued)
RESERVES POUCY
Income is generated from the fixed assets held by the Trustees. The balance of undistributed
income resources at 5 April 2024 totalled £505,998 {2023: £469,668). Any undistributed income
during the year to earmarked to direct charitable expenditure in the following year.
Adequate provision has been made for future commitments of charitable expenditure.
08JEcfivES AND AcrivrTIES FOR PUBUC BENEFIT
The trust is a grant making charity that seeks to relieve poverty and suffering and promote education
by making grants in response to appeals by re8iStered serlice providing charitie5 that operate in this
area. When considering appeals. the Trustees review the applicant is a registered charity and the
nature of the appeal to identify those appeals that further its aims and meet the public benefit
criteria required by its charitable status. The Trustees confirm that they have referred to the
8uidance contained in the Charity Commission's 8eneral 8uidance on public benefit when
considering appeals from service providlng charltles and in plannlng future artivities. Trustees
consider appeals quarterly and make grants on a similar timescale.
CONCLUSIONS RELATING TO GOING CONCERN
The Trustees assessment regarding going concern is Included on page 10 of these financial
statements.
And signed on their behalf by
Richard Goldstein
6 January 2025
61 ￿ Lige

The Ramar Charftable Settlement
Reglstered Charlty number 326443
INDEPENDENT EXAMINERS REPORT TO THE TRUSTEES OF THE RAMAR CHARITABLE SEMEMENT
I report on the accounts of the Trust for the year ended 5 April 2024. which are set out on pages 7 to
Respe¢tlve responslbllltles of trustees and examlner
The Charlvs trustees are responslble for the preparatlon of the accounts. The Charfty's trustees
consider that an audlt Is not requlred for this year under sectlon 14412) of the Charltles Art 2011 lthe
2011 Act) and that an independent examinatlon Is needed.
It ts my responslblllty to..
examlne the accounts under sectlon 145 of the 2011 Act;
to follow the procedures laid down In the general Dirertlons gfven by the Charlty
Commlsslon under sectlon 145(51{b) of the 2011 Act; and
to State whether partkular matters ha¥e come to my attentlon.
Basts of Independent examlnerf$ report
My examlnatlon was carrled out In accordan￿ wlth the ￿￿ra1 Dlrectlons glven by the Charlty
Comm1551on. An examlnatlon Includes a revlew of the accountlng records kept by the Cl￿rIty and a
comparfson of the accounts presented wlth those records. It also Includes conslderatlon of anv
unusual Items or dlsclosures In the accounts. and seeklng explanatlons from you as trustees
ncernln8 any suth matters. The procedures undertaken do not provlde all the evldenrx that
would be requlred In an audlt and consequently no oplnlon Is glven as to whether the accounts
present a 'true and falr vlew, and the report Is Ilmlted to those matters set out In the statement
below.
Independent exaffllnerfs statement
In connectlon wlth my examinatlon. no matter has come to my attentlon:
(i)
whlch glve5 me reasonable cause to belleve that In any materlal respert the requlrements:
to keep accountlng records In accordan￿ wlth sectlon 130 of the 2011 Act; and
to prepare accounts which accord wlth the accounting records and comply with the
accountlng requ5￿Ments of the 2011 Art
have not been met; or
(2)
to whlch. In my oplnlon. attentlon should be drawn In order to enable a proper
understsndlng of the accounts to be reached.
Samuel Davld Clarke FCA
ICAEW
71 Bedford Road
London N2 9DB
6 January 202S

The Ramar Charltsble Settlement
Reglstered Charity number 326443
Note Income Capital
2024
2023
Fund
Fund
Totsl
Total
INCOME
Investment Income
Donatlon Income
40.7
59392
40.7n
59,392
34,078
47,890
Totsl Income
I￿,169
ICKI,169
81,968
Expenditure
Charftable activltles
63.839
63A39
75,686
Total expendlture
63.839
63.839
75,686
Net Incomlng resources for the year before
revaluatlons and Investments disposals
36,330
36330
6,282
OTHER RECOGNISED GAINS AND LOSSES
Unreallsed galn Illoss) on fixed asset
investments
80,635
80,635
(128,677)
NET MOVEMENT IN FUNDS
36330
80,635
116,965
1122,3951
Funds brOu￿1t fonvard at 6 Aprll 2023
469,668 1,140,076 1,609,744
1,732,139
Funds wrled forward rt 5 2024
505,998 1.220,711
1,726,709
1,609,744
All funds are unrestrlrted

The Ramar Charitable Settlement
Registered Charity number 326443
BALANCE SHEEf AS AT 5 APRIL 2024
Note
2024
2023
FIXED ASSErs
Investments
1,693.838
1.570,763
1,693,838
1,570,763
CURRENT ASSEfs
Cash at bank and in hand
32,871
32,871
38,981
38,981
NEf CURREHf ASSErs
32,871
38,981
TOTAL ASSErs
1,726,709
1,609,744
UNREsfRicfED FUNDS
Capital
Income
1,220,771
505,998
1.726.709
1,140,076
469,668
1,609,744
These Financial Statements were approved by the Trustees on 6 January 2025
Richard Goldstein
Trustee

The Ramar Charftable Settlement
Reglstered Charlty number 326443
NOTES TO THE ACCOUIITS FOR THE YEAR ENDED 5 APRIL 2024
ACCOUPlllNG pouaE5
The accounts have been prepared under the hlstorlcal cost corNerslon to indude the revaluation of
investments, and in accordance with the Charities Act 2011 arxl Statement of Recommended
PrartI￿ for Charitles 2015 with the following signlficant accounting policie&
Investment income represents divldends and Intsrest r￿fvable from irNestments. DNidends are
Included by reference to their due dates and interest s recorded onty when it has been received.
Expendlture
Charitable activltles comprise grants payable and indudes support Costs.
Full provlslon Is made for all commltments of charitsble expenditure which are either legalty binding
or where there is constructive obligation w1ttr￿t any discount for the deferral of payment unless
material.
Investmerrts are induded at fair value at the balance sheet date. Realised gain5 and losses on
investments are reco8nised as they arise and any unrealtsed galn or loss on revaluation is tsken to
the Statement of Financial Activitsts.
All funds held are unrestricted. The Tr￿teeS have c(wnplete discretion for the use of the funds in
pursuan￿ of the trusys objectives.
Golns confern
The finanaal statements are prepared on a going concem basts. The Triistees are fimily of the bellef
that the Charity has adequate assets to continue in its present fomi.
101 Page

The Ramar tharltable Settlernent
Reglstered tharlty number 326443
NOTES TO THE Accouiifs FOR THE YEAR ENDED 5 APRIL 2024
Estlmates and Judgements are contlnualty evaluated and are based on the experfence and
understandlng of the Trustees The TnAStees do not believe that there are ary slgnfficant estlmates
and Judgements that have a material imparton the financ￿ statements.
Baslc flnanclal Instruments such as bank balances are recogntsed at tran5aLtlon value.
2023
Anne Frank
Norwood Ravenswood
Communlty Securfty Trust
Camp Slmcha
Jewlsh Care
Klsharon
2,000
15,000
6,000
7,500
10,51XI
1,500
10.0(
7.IXIO
8,500
1,500
Nl8htln8ale Hamm
Unlted Jewlsh Israel Appeal
World Jewlsh Rellef
ujs
OEC/IRC
FoodBankAld
Donations below £l,OLX)
2,SOO
13,5(Kl
11,000
7.750
2,500
2,500
2,645
6,070
63.320
72,145
Support costs
519
3,541
Analysls of charltable aCtfv￿eS
General charltable purposes
63.320
72,145
TOTAL
63,839
75,686
111 Page

The Ramar Charitable Settleff*nt
Reglstered Charity number 326443
3 INVESTMEpif INCOME
2023
UK quoted securities
34,1
27936
Interest paid gross- UK
6,142
34A178
4 FIXED ASSEf INVEStMEP￿s
2023
Investment and cash under managemert
UK Quoted investments
I.693￿8
1.570.763
Fairvalue at S April 2024
1,693.838
1,570.763
2023
Fair value at 6 Apfil 2023
Additions
1.570.763
42.440
1.658,484
40,956
Net unrealtsed InveStM￿t 8alnllloss)
80.635
1128.677)
Fair value at 5 April 2024
1.693,838
1.570.763
Historfcal cost at 5 April 2024
1.424.765
1,373,732
Investments are revalued at fair value and the year end.
All Investments are held within unrestricted fun(ts.
The following investments represent more than S% of
the totsl investment portfollo
Value Percentsze of
Thesis Headway Income Fund
Federated Hernies
Fulcrum Income Fund
L497382
106,416
88.4%
5.3%
6.3%
121 Page

The Ramar Charitsble Settlement
Registered Charlty number 326443
NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 5 APRIL 2024
2024
2023
CASH AT BANK
Thesls
3,662
Coutts & Co
29,871
35.319
32,871
38.981
ANALYSIS OF ASSEYS AND UABILMES 8ENIEEN FUNDS
Income
Fund
Capltal
Fund
Totsl
Funds
Flxed Assets
Investments
473,127
1,220.711
1,693,838
Current Assets
Cash at bank and In hand
32,871
32,871
505,998
1,220,711
1,726,709
The Income Fund comprises funds generated by the Capital Fund whlch the Trustees are
free to use In accordance wtth the charitable objects.
The Capltal Fund represents assets held by the Trustees in Investments. Income arisin8
from these Investments can be used in accordance with the objerts of the Charity and is
InclLthd in the Income Fund. The Capltal Fund Is available to meet charitsble
cornmltments as the Trustees see flL
The funds are unrestrfcted.
131 Page

The Ramar Charltable Settlement
Registered Charity number 326443
No trustees or person related or connected by buslness to them recelved any remuneratlon from the
trust during the year ended 5 April 2024.
There are no rekted party transactions other than donatlons to the Charty by the Trustees of
£56,IJ)0 {2023: £47￿901
EMPLOYEES
There were no employees of the trust durfng the year.
The trustees are not aware of ary contln8ent Ilabllttles.
141 Page