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Account ChoicesWe offer something for everyone

PUTTING YOU IN CONTROL

Our Accounts are designed to help you and your adviser address your financial needs through various stages of life.

You can access thousands of investment choices and different charging options through each. Your adviser will be able to recommend the Account types - and associated investments and charging options – that are suitable for you based on your personal circumstances.

EXPLORE YOUR OPTIONS

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Stocks & Shares ISA

For flexible, tax-efficient investing

Whether saving towards something specific or building up funds for the longer-term, an ISA is the foundation for many investors.

There are four types of ISA. Cash ISA, Innovative Finance ISA, Lifetime ISA and Stocks & Shares ISA. Our ISA is the Stocks & Shares type, which means you invest your money to benefit from potential investment growth over the longer term.

ISAs shelter your savings from tax:

  • Invest up to £20,000 (2019/2020 tax year)
  • Access your money any time
  • No Capital Gains Tax
  • No Income Tax

Is it right for me?

  • Looking to choose from a range of investments including funds, investment trusts, ETFs and shares
  • Want to hold your investments in a tax-efficient Account
  • Willing to view these as medium to long term investments (5 years or more)
  • Comfortable with putting your capital at risk for the possibility of better returns
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Self Invested Personal Pension (SIPP)

Providing for your financial future

From tax relief on your payments in, to flexibility on taking your money out in later life, there may be compelling reasons to invest through a pension.

For people retiring today the full State Pension is £168.60 a week (2019/20 tax year). That is only likely to provide for your very basic needs and it might need to last you a long time.

If you want to enjoy your retirement to its fullest, and for as long as possible, pension savings to top up your State Pension make sense.

Pensions offer several tax advantages:

  • Access your savings from age 55 and take up to 25% tax-free
  • Growth is free of income and Capital Gains Tax
  • Tax relief on payments in (limits apply)
  • Your loved ones can inherit your pension pot, free of Inheritance Tax

Is it right for me?

  • Looking to choose from a range of investments including funds, investment trusts, ETFs and shares
  • Looking to hold your investments in a tax-efficient Account
  • Willing to view these as long term investments (you won’t be able to access them until at least age 55)
  • Comfortable with putting your capital at risk for the possibility of better returns
  • Comfortable that a stakeholder pension wouldn’t meet your needs just as well
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General Investment Account (GIA)

Investing on your terms

A flexible trading Account, giving you freedom to develop your portfolio in whatever way works for you.

Before you start with an General Investment Account (GIA) have you used your annual ISA limit yet? It usually makes sense to do this first since an ISA shelters your savings from tax.

There are no tax advantages to investing through a GIA, but because of this you can invest as much as you like, and have as many GIAs as you like (paying an Account fee for each) – helpful if you’re saving towards different goals.

You are in control:

  • No savings limit
  • Hold an GIA jointly with others
  • The tax you pay depends on the investments you hold and your
  • Tax relief on payments in (limits apply)
  • Your loved ones can inherit your pension pot, free of Inheritance Tax

Is it right for me?

  • You may have already used your ISA allowance for the current tax year
  • Looking to choose from a range of investments including funds, investment trusts, ETFs and shares
  • Willing to view these as medium to long term investments (5 years or more)
  • Comfortable paying Income Tax and Capital Gains Tax on your investments
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Child Savings

Investing for the next generation

It’s natural to want to provide for your child financially. We can help.

There are many ways you can save and invest for children. From a simple savings Account to a pension. It’s something other family members often want to get involved in too and the earlier you start the more your child could stand to gain.

At Alliance Trust Savings you have a choice of three different investment-based Accounts to suit your needs. To help you decide, here’s a quick overview.

Account type Junior ISA Child SIPP First Steps IDA
Is it tax-efficient? Yes Yes No
How much can I invest? Up to £4,368 for the 2019/2020 tax year Up to £2,880* for the 2019/2020 tax year No limits
Can I transfer in other Accounts? Yes Yes Yes
Who controls the Account? Named adult, until the child reaches age 18 Named adult, until the child reaches age 18 Account holder (you, the adult)

*This will result in £3,600 maximum contribution after tax relief

Is it right for me?

  • A Junior ISA may be suitable if you are comfortable that the child can access their money at age 18.
  • A Child SIPP may be suitable if you want to get your child’s retirement savings off to a head start and are happy for them to control their SIPP from age 18.
  • A First Step Investment Dealing Account may be suitable if you want to stay in control of your child’s savings until you are ready to give them access. You are comfortable to forgo the tax advantages of a Junior ISA or Child SIPP.

EXPLORE YOUR OPTIONS

FOR MORE INFORMATION

Your adviser will be able to give you more information on all our Account types and how each might help meet your financial needs. But if you’d like to explore for yourself you’ll also find more details for each in our Literature and Frequently asked questions sections.

View our literature View our FAQs