Information support volunteer volunteer roles in streatham, greater london

The Jawbone Collective seeks a Volunteer Bookkeeping / Financial Recordkeeping support person to join our thriving arts organisation. As we continue to expand activities and our reach across the Southwest of England, we need someone with financial expertise to help strengthen our operational foundation.

You will work remotely alongside our dedicated management team to develop robust financial processes that will support our journey toward becoming a self-sustaining arts organisation. Your expertise will be instrumental in supporting us in managing our diverse revenue streams, including workshop fees, journal and poetry publications, grants (hopefully we get some soon) and event income.

As part of our inclusive creative community, you'll contribute to an organisation that champions diverse voices, including neurodivergent, disabled, LGBTQIA+ and working-class writers. While a love for literature isn't required, you'll be supporting a mission that makes literary opportunities accessible to all through affordable programs and free submission opportunities.

Role Description

• Initially organising a transition to accounting software
• Train team members in maintain financial records and bookkeeping
• Assist with financial reporting and planning
• Support budget management for our various programmes and publications
• Help track expenses related to workshops, events, and publishing activities
• Contribute to funding applications and financial governance

What We're Looking For

• Experience in financial management and
• Governance required for a CIC (desirable, or be willing to learn) 
• An ability to train team members in necessary software for bookkeeping
• Strong organisational skills
• Ability to work with our creative community-focused team
• Understanding of arts organisation operations (desirable)

About Us

The Jawbone Collective is a dynamic arts organisation dedicated to nurturing creative voices across the Wessex Region. Founded in 2022, we've evolved from our initial mission of publishing the poetry collections of under represented groups to becoming a comprehensive creative hub offering multiple platforms for artistic expression. Our initiatives include the upcoming Jawbone Journal - May 2025; developing a Substack community, Jawbone Radio for spoken word performances; plus workshops - in person and online; and mentoring programs. Based in Dorset, we've established strong creative communities in Dorchester and Bridport as well as attracting attendees to real world activities coming from Dorset, Devon, Wiltshire and Somerset, whilst also maintaining an active online presence attracting people from the UK and across the world.

At our core, we're driven by a commitment to diversity and accessibility in the arts. Our community of 15 core creative members represents a rich tapestry of voices, including creatives from neurodivergent, disabled, LGBTQIA+, female and  working class creators from various age groups and backgrounds. We are actively challenging publishing industry 'norms' by offering affordable and free submission opportunities. We are bridging the gap between performance and page poetry, and creating inclusive spaces where every creative voice can flourish. Through our various platforms and initiatives, we're building a supportive environment where artists can develop their craft, share their work, and connect with a broader creative community.

Working remotely however we would love to meet up with you from time to time.

You are most welcome to attend any of our events and workshops at no cost to yourself.

Amount of hours approx 8 - 16 hours a month depending on projects.

The Opportunity

We are recruiting 3 lay Trustees! Do you bring skills and experience in communications, human resources or membership engagement? Would you like to use these at board level to shape a charity? We'd love you to join our Board of Trustees if so.

This is a fantastic opportunity to have a great impact on the UK’s mental health at the highest level!

Does this matter to you as much as it matters to us? Then a Trustee role with UKCP will give you the chance to support a cause with your professional skills.

Who is the UK Council for Psychotherapy?

UK Council for Psychotherapy is a leading organisation for psychotherapists and psychotherapeutic counsellors. We believe that psychotherapy can help us in profound ways. Solving immediate issues and transforming how we think, feel and behave is how we do this.

We offer professional support for our members here in the UK.  We are also the leading research, innovation and educational body. UKCP continue working to advance psychotherapies for the benefit of all.

What matters to us

We see first-hand the power of psychotherapy to improve lives. We speak up for the importance of psychotherapy in national and local policymaking. UKCP also represents the social value of psychotherapy in the UK today.

If you join us…

You will be a part of a committed Board who is doing more to reflect the communities we serve. This is an opportunity to shape the work and direction of UKCP. Help us achieve our vision of a world in which emotional and mental wellness is a human right.

Equality, diversity and inclusivity are felt throughout our values and the culture of our work practices. So, you’ll enjoy the rewards of helping us to be a voice of change where it’s needed.

Who we’re looking for

We are looking for three Trustees to join the UKCP Board, bringing any or a combination of the skills and experience listed below. All candidates will share our commitment to improving the UK’s mental health and understand the importance of high-level governance in achieving this.

We are particularly seeking:

• HR Trustee – Someone with proven experience and insight into human resources practices, people management, organisational culture, staff wellbeing, recruitment, and talent development.
• Communications Trustee – Someone with professional experience in communications, marketing, and/or public relations.
• Membership Engagement Trustee – Someone who can provide insight-led oversight of UKCP’s membership activities.

Please make sure you read our Candidate Information Pack before applying, as it contains important details about the role and our organisation.

Don’t think you quite meet all the specifications? Please don’t count yourself out. We’d still love to learn more about your interest in joining UK Council for Psychotherapy!

What’s next?

Eastside People is supporting UK Council of Psychotherapy in the recruitment of these roles. You can click here/follow the link to apply today.

The closing date for applications is Monday 5th January. Shortlisting interviews will take place shortly after. Shortlisted candidates will then have an interview with UKCP shortly after this.

We acknowledge every application. You’ll always hear from us after taking the time to apply - we look forward to hearing from you!

Could you be one of our new trustees?

We currently have space on our Board for up to eight new Trustees who want to work with us to help improve university communities so that every student gets the mental health support they need to reach their goals.

At Student Minds, we’re working to improve university communities so that no student is held back by their mental health. So it should come as no surprise that we are keen to reflect the communities we serve, maintain a diverse board and ensure student voices are represented. This is key to our mission and our continued impact. 

You may be thinking that you don't have the experience because you haven't been a trustee before, or because charity governance isn't your field. Think again!

Here's what you DO NEED need: 

• Commitment to our vision - a world where no student is held back by their mental health

• Experience in 1 or 2 of the following areas: 

  • Current higher education students

  • Professional higher education sector expertise

  • Legal expertise 

  • Fundraising and income generation expertise

  • Equity, diversity, inclusion, belonging, intersectionality and anti racism expertise

  • AI and technology expertise 

  • Campaigning, advocacy, community organising and/or public affairs expertise 

  • Marketing and brand awareness expertise 

  • People and culture, HR, organisational development or leadership development expertise 

And what you DON'T need:

• Previous experience of trusteeship

• Experience in charity law or working with a charity

Both experienced and aspiring trustees have much to bring to our table: we are looking for fresh perspectives and seasoned knowledge alike.

Key responsibilities

Student Minds Trustees are expected to commit to the following: 

• Preparation and attendance at four board meetings a year. Board meetings are held online and take place on weekdays from 5 - 7.30 pm. 

• Preparation and attendance at two board away days each year, usually from 12.30 - 5 pm. Board away days are in person and usually take place in Leeds. Travel expenses can be claimed.

• Ad-hoc meetings and conversations with the senior management team as required. This usually constitutes approximately a further five working days a year.

If appointed, you will receive the training and onboarding you need to be a confident, contributing member of the board. We are also able to provide you with a board buddy to support you in your first few months. 

So, if you want to help shape the future of student mental health, download our recruitment pack to find out more!

How to apply?

1. For more information about the role responsibilities please follow the link

2. Download and complete our application form, which is available on the link

3. Complete the Equality Monitoring Form. 

Application process

• Application closing deadline: Monday the 5th January at 11.59 pm - make sure you send your completed application form by this date

• Interviews: 29th or 30th January (general Trustees) or 5th February (Student Trustees) with a Trustee and CEO

• Appointment: subject to approval by the Student Minds Board. 

Volunteer Opportunity: Adult Instructor (Uniformed Role)

Organisation: Ranger Cadets

Location: Local Cadet Unit (London)

Commitment: Weekly Evening Sessions

About Us

Ranger Cadets is a new, independent, non-profit uniformed youth organisation with a bold mission: to engage young people in their communities, equip them with essential life skills, and unlock their full potential. We are non-political, non-religious, and proudly inclusive – open to all, regardless of background.

We believe every young person deserves the chance to shine, to belong, and to grow into the leaders of tomorrow.

The Role

We are seeking passionate Adult Instructors to serve in a uniformed volunteer position, leading on the training, development, and empowerment of cadets within a local London cadet unit. This is a hands-on role for someone who can inspire young people, deliver engaging sessions, and help them progress through our syllabus programme.

As an Adult Instructor, you will:

• Wear the Ranger Cadets uniform with pride, embodying our values of dignity, inclusivity, and service.

• Lead training sessions that equip cadets with essential life skills, tools, and opportunities to grow.

• Support cadets in earning badges for their uniform and advancing through the ranks.

• Mentor and empower young people, building their confidence and resilience.

• Work alongside fellow volunteers to deliver a safe, structured, and inspiring programme.

Who We’re Looking For

• Enthusiastic individuals with a passion for youth development and community service.

• Strong communication and mentoring skills.

• Ability to engage and inspire young people in a group setting.

• Commitment to our values: non-political, non-religious, inclusive, and open to all.

• No prior cadet or military experience required—training and support will be provided.

What You’ll Gain

• The honour of serving in a uniformed role that represents dignity, pride, and community impact.

• The chance to directly shape the lives of young people in your community.

• A role that blends teaching, mentoring, and leadership.

• Personal satisfaction from seeing cadets grow, achieve, and advance.

How to Apply

If you are ready to serve in uniform, inspire young people, and help them unlock their potential, we would love to hear from you.

RANGER CADETS

#PreparedForLife

Many older people in our communities face significant challenges - from loneliness, isolation, and frailty to financial hardship and managing lifechanging conditions like Dementia. The work we do is vital in ensuring they have access to the support and care they deserve.

Our team is deeply passionate about this mission. Many of us have personal experience supporting older relatives through similar challenges, and these lived experiences fuel our commitment to delivering high-quality, compassionate services.

Following our successful merger in August 2023, our organisation is now moving forward with greater ambition and a renewed focus on expanding our reach. As a Trustee, you will play a crucial role in shaping that future - helping us to serve more people, strengthen our services, and advocate for the needs of older people across Maidstone, Sevenoaks, and Tonbridge. 

We are looking for people from a financial background to help with oversight of our budgeting, planning, forecasting, investments, governance, reporting and financial decision-making. This is a great opportunity to work closely with organisational leaders to ensure every penny makes a difference.

Inspire, Train, and Lead: Become a Ranger Cadets Adult Instructor / Leader!

Ranger Cadets is seeking dedicated volunteers to guide, train, and empower young people across England.

We are recruiting Adult Instructors, Lead Instructors, Trainers, and Assistant Cadet Unit Managers to support cadet units and areas local to where you live with energy, vision, and pride.

About Ranger Cadets:

Ranger Cadets is a new uniformed youth work organisation with a mission to equip young people with essential life skills, tools, and opportunities to become active citizens who make a positive contribution to society. Through training, service, and ceremonial identity, cadets grow in confidence, resilience, and pride—building a legacy of community impact.

Your Mission as Instructor / Leader:

• Plan and deliver: Create positive, interactive, and engaging youth work activities.

• Teach with purpose: Deliver the Ranger Cadets syllabus and support cadets to earn badges for their uniform.

• Showcase with pride: Lead cadets into the community in uniform, demonstrating the positive role of young people in society.

• Mentor with vision: Support cadets as they rise up the rank structure, guiding their journey of growth and leadership.

Why Volunteer as an Instructor?

• Play a hands-on role in shaping the lives of young people.

• Gain training and leadership experience in youth work and ceremonial service.

• Be part of a uniformed tradition that blends discipline with community pride.

• Make a lasting difference by helping cadets achieve, serve, and lead.

Call to Action:

If you’re ready to train, inspire, and support cadets on their journey, step forward today. Become a Ranger Cadets Instructor—your leadership will shape the future.

RANGER CADETS

#PreparedForLife

Volunteer Bid Writer – Children With Voices

Position Overview:

Children With Voices, a dynamic and community-driven charity committed to supporting vulnerable individuals and families, is seeking a motivated and skilled Volunteer Bid Writer. This role is instrumental in securing funding opportunities, grants, and partnerships to ensure the continuous growth and success of the charity's initiatives.

Responsibilities:

1. Research and Identify Funding Opportunities:

  - Conduct thorough research to identify potential funding sources, grants, and partnership opportunities aligned with Children With Voices' mission and projects.

2. Proposal Development:

  - Collaborate with the charity's leadership team to gather information on projects and programs requiring funding.

  - Develop compelling and well-articulated grant proposals, ensuring alignment with donor guidelines and requirements.

  - Craft persuasive narratives that effectively communicate the impact of Children With Voices' activities.

3. Grant Application Submission:

  - Prepare and submit grant applications within specified deadlines, adhering to all application guidelines and requirements.

  - Maintain accurate records of submitted proposals, deadlines, and communication with funding bodies.

4. Relationship Building:

  - Establish and maintain positive relationships with potential donors, grant-making organisations, and other stakeholders.

  - Engage in effective communication to convey the charity's mission and project goals.

5. Collaboration and Coordination:

  - Work closely with the fundraising team and project managers to gather necessary information for proposals.

  - Collaborate with other team members to ensure the integration of programmatic and financial data in grant applications.

Qualifications:

- Excellent written and verbal communication skills.

- Previous experience in grant writing, proposal development, or related fields is desirable.

- Strong research skills to identify relevant funding opportunities.

- Ability to work independently and meet tight deadlines.

- Detail-oriented with strong organisational and project management skills.

- Passion for the mission and values of Children With Voices.

Time Commitment:

Flexible, with an estimated commitment of 5-10 hours per week.

Location:

This role can be performed remotely, with occasional virtual or in-person meetings as needed.

Benefits:

- Opportunity to contribute to a meaningful cause and make a positive impact.

- Gain valuable experience in grant writing and fundraising within a charitable organisation.

- Develop and enhance your skills in communication, research, and project coordination.

- Travel expenses are paid and you will have a healthy meal!

Youth Leaders work directly with young people in St John Ambulance Badger Setts and Cadet Units. By organising a mixed weekly programme, this role will support the learning and development of young people into the next generation of health citizens. Youth Leaders also help young people develop their confidence, teamwork skills, self-discipline, and generally encourage them to strive to be the best they can be, as well as supervise and support other adult volunteers in their team.

You’ll get a huge sense of satisfaction and pride delivering an essential service. It’s great for you, great for your community and great for our nation, and it requires only a small commitment of your time. 

We'd like to open a new Cadet and Badger Group on a Monday evening, to allow even more young people to learn first-aid skills. If you'd be interested in helping set these Groups up, please state so in your application or at interview stage!

This is such an exciting time to join Sutton Network as a Youth Helper or Youth Leader. We’re hoping to open a new Cadet Group in our Sutton HQ, alongside a new Badger Sett, to teach even more young people vital first-aid skills and give them knowledge for life. Ideally this would be on a Monday or Thursday night, so please let us know your availability at interview.

We’d also like to open a new Group for the Cantonese speaking community in the future, so keep your eyes peeled for another vacancy for this Group!

Pursuing the role

Closing date for these opportunities is: 31/12/2025

To apply for this opportunity please follow the link below:

We are seeking a Director and Chair of Trustees Designate to help shape the future direction of our organisation. We are looking for an individual with proven senior leadership experience - ideally, though not necessarily, within the third sector - who can bring strong strategic thinking, sound judgement, and a collaborative leadership style.

Volunteer Campaign Manager – Help Us Paint London Yellow with SUNSHINE

Loneliness is one of the fastest-growing epidemics of our time. Across London, thousands of people feel isolated, disconnected, and unseen. At SUNSHINE, we believe no one should feel alone. Our mission is to bring sunshine into people’s lives through grassroots, community-led programmes that spark joy, foster friendships, and transform lives.

We are now seeking a SUNSHINE and Loneliness Campaign Manager with a Heart of Gold to boost our presence across London, helping us paint the city yellow and spread joy far and wide.

Why This Role Matters

Campaigns are how SUNSHINE shines beyond our events and programmes. As Campaign Manager, you will lead the charge in raising awareness of loneliness, inspiring communities, and ensuring SUNSHINE’s message of joy and connection reaches every corner of London. Your creativity and leadership will help us build a movement that uplifts thousands.

What You’ll Do

• Lead campaigns: Design and deliver inspiring campaigns that tackle loneliness and celebrate community.

• Boost visibility: Help SUNSHINE stand out across London, online, in print, and at events.

• Paint the city yellow: Create vibrant, uplifting initiatives that embody SUNSHINE’s identity and spirit.

• Engage communities: Connect with local groups, partners, and supporters to spread our message.

• Champion fundraising: Develop promotional drives that inspire giving and sustain our programmes.

Who We’re Looking For

We welcome applications from people with a Heart of Gold who believe in community, joy, and togetherness. Ideally, you will bring:

• Campaigning experience in communications, marketing, or grassroots movements.

• Creative flair to design uplifting, vibrant campaigns across digital and print.

• Strategic vision to grow SUNSHINE’s presence and impact across London.

• Passion for social impact and a commitment to tackling loneliness.

• Energy and positivity to inspire others and embody SUNSHINE’s joyful spirit.

Join Us

At SUNSHINE, the Campaign Manager is more than a communicator, they are the voice of hope, the spark of joy, and the architect of a movement. Together, we can turn the tide on loneliness and create a London where everyone feels part of something bigger, brighter, and more joyful.

Step forward. Shine bright. Share your Heart of Gold. Because when you lead our campaigns, you’re not just promoting a charity—you’re painting London yellow and bringing sunshine into countless lives.

SUNSHINE

London Loneliness Charity

Are you passionate about building a more inclusive, sustainable and resilient economy? Are you looking for a meaningful way to use your finance expertise?

ECU is a small, dynamic non-profit working to transform the economy so that everyone has the freedom and security to live a good life. 

We are now recruiting for ECU’s first Treasurer, who will lead at board level on monitoring ECU’s financial performance and sustainability, ensuring that we have robust financial policies and processes in place, and supporting other board members to fulfil their collective responsibilities around finance. 

This is an exciting time to join ECU. We have an ambitious vision for change, a strong analysis of the opportunities and barriers to progress, and a clear view of our role in building a better economy. Our board is committed, collaborative and inclusive, with a strong understanding of its role and remit, and a culture of open dialogue. Our work is challenging, fascinating, and fulfilling – and, with rising levels of inequality, an unfolding climate emergency, overstretched public services and a growing concentration of corporate power, it couldn’t be more important.

Research & Policy Officer (Volunteer)

Purpose: To support research / policy projects in areas of the UK, ensuring strategic alignment, quality assurance, and effective collaboration that drives systemic change for young people across the UK.

Key Responsibilities

• Provide strategic oversight of research / policy projects, ensuring outputs are high-quality and impactful.

• Lead on drafting policy briefs and research reports, setting standards for evidence-based advocacy.

• Coordinate multi-stakeholder collaboration, i.e councils, commissions, and community organisations to deliver change.

• Identify emerging issues and opportunities, help in shaping the research agenda in line with organisational priorities.

• Represent the organisation in external meetings.

• Ensure consistency and coherence across multiple projects running in different localities.

Person Specification

• Background in social policy, law, health, climate, or political science, ideally with professional or postgraduate experience.

• Proven ability to manage complex projects and coordinate across multiple stakeholders.

• Excellent strategic thinking and communication skills, able to influence decision-makers.

• Strong IT and remote collaboration skills.

• Deep commitment to human rights

We’re looking for a communications-minded creator to lead Europia’s external newsletter (every two months) and coordinate content for the Annual Report. You’ll gather information, quotes and photography from staff, volunteers, partners and funders; shape it into clear, engaging content; and help present Europia’s impact in an accessible, on-brand way.

Key Responsibilities

• Bi-monthly newsletter: Plan, draft, edit and build the external newsletter in Mailchimp (headlines, copy, visuals, links).

• Annual Report coordination: Run a quarterly content cycle for the 2025–26 Annual Report - collect updates, data, quotes and photos; draft sections; support layout/visuals.

• Content gathering: Proactively seek photos and quotes from staff, volunteers, partners and funders (with consent/attribution and basic accessibility).

• Design & layout: Use Canva (and Mailchimp templates) to create consistent, on-brand assets for newsletters and report pages.

• Quality & accessibility: Proofread, check links, follow brand guidelines (tone, fonts, colours), and apply accessibility best practice.

• Light analytics: Track opens/clicks and note simple insights to improve future editions.

• Collaboration: Liaise across teams and with external stakeholders to schedule inputs/approvals; maintain a tidy content tracker and deadlines.

Qualifications & Skills

• Strong written English with excellent editing/proofing and attention to detail.

• Ability to design and edit newsletters in Mailchimp and create assets in Canva.

• Interest in design and a passion for written communications.

• Ability to research/review external annual reports to benchmark and inspire an impactful Europia report (desirable).

• Highly organised, self-motivated, confident coordinating multiple contributors.

• Clear, professional communication with internal and external stakeholders.

Time Commitment

• Around 10 hours per month.

• Minimum check-in every two weeks (fortnightly) for planning and approvals.

Benefits

• Create high-visibility pieces that showcase Europia’s work and impact.

• Build a portfolio across email publishing and impact reporting.

• Supportive team, references, and travel expense coverage for agreed in-person activity.

• A flexible, meaningful role that suits full-time students, people in work, or full-time homemakers, connecting you with a wide range of partners and stakeholders.

• Training provided (platforms, brand, accessibility, approvals) plus regular supervision and templates to get you started.

The ethos of the Confidence Academy is very simple: Participants get their money back once they attend their selected fitness and wellbeing events. When you show up for your health, when you show up for yourself... your refund is your reward. 

The Confidence Academy exists to make the tools of confidence-building — through improved nutrition, better mental and physical fitness, and community support — accessible to all, particularly to struggling and marginalised communities who often feel invisible or left behind. Health inequality is one of the biggest injustice of them all that we don't talk about yet our health is the sole foundation of our existence. 

Who Created The Confidence Academy: The Academy is founded by a 37 year old refugee from Bangladesh, Rayhana Sultan. She is an ex-prisoner. This social enterprise was created after she was able to rebuild her life after prison, hospital detention and recovery through psychotherapy and a supportive community. She is now a finance manager working for the local government in the UK. Outside her day job, she is a model, a panel advisor for the charity Working Chance and now through the Confidence Academy, she wants other people to find the inspiration to turn their pain into power, stigma into strength. 

The inception of this CIC is driven by the fact that nearly 60% of the UK population in 2023/24 were reported as obese or overweight. This is a national crisis in a context where our healthcare system is overstretched, support for mental health is not on par which can be exacerbated by health-related problems and an ageing population is awaiting us. Growing old or not being able to afford the regular gym in an era should not mean fitness services are inaccessible to you. So we are here to change it. 

What's happening Next: We will begin rolling out weekend fitness and wellbeing activities shortly after New Year 2026, supported by online seminars, podcast-style discussions, and community “vox pop” features that amplify real voices and lived experiences around health, confidence, and inclusion. These activities will include group exercise sessions, nutrition and wellness education, mindset and resilience workshops, and confidence-building programmes designed to enhance both physical and mental wellbeing.

Purpose of the Role:
You will be the voice and bridge of The Confidence Academy — handling communications with councils, gyms, venues, and contractors. This role requires strong interpersonal skills, emotional intelligence, and a genuine passion for community wellbeing. You’ll work closely with other team members to bring creative and operational goals together.

Main Activities:

1. Communicate with local councils to secure community venues and spaces.

2. Contact gyms, instructors, and contractors to arrange hire of equipment and facilities.

3. Assist with email correspondence, partnership inquiries, and event logistics.

4. Maintain a contact log and follow up with potential partners or sponsors.

5. Work closely with other team members to align content and communication schedules.

6. Represent The Confidence Academy at community events or meetings where required.

7. Attend weekly team meetings (online or in-person depending on business needs).

8. Ensure all communication complies with GDPR and safeguarding principles.

Skills and Qualities:

1. Excellent communication and listening skills

2. Emotional intelligence and professionalism in dealing with partners

3. Organised, proactive, and dependable

4. Interest in fitness, health, and wellbeing

5. Comfortable speaking with local authorities, gyms, and community organisations

6. Willing to travel within London as needed

What you will get:

1. Induction and regular supervision with the Founder/Director

2. Informal guidance on partnership outreach, safeguarding, and data management

3. Informal training on health & safety and community engagement best practice

4. Office space may be provided for collaborative projects

5. Volunteering Certificate at the end of the completion of hours

6. Complimentary t-shirt/jacket and other freebies

7. Professional reference

8. Travel and meal expenses reimbursed up to £20

9. £50 in Amazon Gift Card when you help us deliver our first fitness session (our launch event) in the 2026 New Year

Equal Opportunities: 

The Confidence Academy is committed to inclusion under the Equality Act 2010. We welcome volunteers from all backgrounds and provide reasonable adjustments where needed.

Status: 

This is a voluntary role and does not create a contract of employment or entitlement to salary, benefits, or worker rights. Volunteers are free to withdraw at any time.