Help guides

The tools available include performance tables, stock screeners, heat maps, market maps and sector strips.

Investment Selector

At Alliance Trust Savings, we understand that researching and choosing the right investments for your client’s portfolio is an integral part of the advice process.

There is so much to be considered:

  • Risk
  • Asset classes
  • Performance
  • Sectors
  • Fund manager credentials
  • Ratings

But choosing the right investments isn't the end of the process. You need to be able to monitor the investments to see how they are performing. You may also want to be kept informed of company announcements and be able to access relevant news releases.

We can help you achieve it all.

How to use Investment selector

Morningstar® Quickrank™

Morningstar® Quickrank™

One of the simplest and most popular tools, Quickrank allows for a fast and effortless way to sort through thousands of stocks and funds by criteria such as Morningstar Analyst Ratings, to arrive at a shortlist of suitable investments.

Morningstar® Screener™

Morningstar® Screener™

Use the powerful screening tool to find investment ideas by narrowing your search according to your preferred criteria, be it Morningstar Analyst Ratings, past performance, fees or measures of risk.

Morningstar® Instant X-Ray™

Morningstar® Instant X-Ray™

Managing your risk has never been easier with Morningstar's powerful X-Ray tool. Instantly discover if your portfolio is well diversified or overly concentrated in a particular security or investment area, providing you with the ability to make informed decisions about adding, dropping or reallocating investments.

Morningstar® Portfolio Manager™

Morningstar® Portfolio Manager™

Build and track your investments with our user-friendly Portfolio Manager tool. Quickly see at a glance how your portfolio is faring overall or how individual holdings are performing for you, with charts, key data points and gains/losses that reflect your investment decisions.

Morningstar® Stock Heat Maps

Morningstar® Stock Heat Maps

Quickly view stock market activity to see the best and worst performers of the day (based on the UK's main indices), with price and performance movement displayed. For additional information, simply click on the stock to view a concise overview to help you make a buy/sell decision.

Morningstar®Alerts

Morningstar®Alerts

Monitoring your investments is easy with our automatic Price and News alerts delivered straight to your inbox. Price alerts can also be customised to your specific requirements.

Our products FAQs

+Is stamp duty payable when an investment is transferred into a pension scheme as an in-specie contribution?

Yes, if applicable. Where the investments being transferred in arise from an employee share scheme then stamp duty may not be payable. As the transfer to the pension scheme will be treated as a disposal, capital gains tax may also be payable.

+How much can be contributed to a pension in a tax year?

Anyone, including an employer, can contribute to a pension. Individuals can claim tax relief on personal contributions only if they have earnings chargeable to UK income tax, or if they are resident in the UK at some time during the tax year.

There is no limit on the amount that the individual, or their employer, can contribute to a pension within any one tax year. However, there is a limit on the amount of tax relief that an individual can obtain on their personal contributions. Tax relief (at the highest rate on which your client will pay tax) will be available on contributions up to 100% of their UK taxable earnings in the tax year, or up to £3,600 gross regardless of your clients earnings.  If the total contributions paid by your client and your clients employer to all registered pension schemes exceed the Annual Allowance, then they may be subject to an Annual Allowance charge on the excess at their marginal rate of tax.

+What is the annual pension allowance?

An annual allowance for pension savings applies each year, which is based on a pension input period (PIP), which runs from 6th April to the 5th April the following year. This limits the amount of tax relief available on pension contributions each year.

Under a money purchase arrangement this is the value of the contributions paid during the pension input period. However, under a defined benefit/final salary scheme it is the increase in the value of a member's rights during the PIP. Within this allowance, tax relief on individual gross contributions is restricted to the higher of £3,600, 100% of relevant UK earnings or if you have triggered the Money Purchase Annual Allowance the limit is £10,000. Employer contributions are not restricted in this way but they may not receive tax relief on the entire contribution. Individuals are subject to a tax charge on the amount of any contribution paid (by the individual, employer or 3rd party) in excess of the annual allowance each year, which is currently £40,000. The tax charge will be at the individual’s marginal rate of tax.

+How is tax relief claimed on pension contributions?

Any contribution that an individual makes should be made net of basic rate tax relief (currently 20%). We claim the basic rate tax relief due directly from HM Revenue & Customs on behalf of the client and attribute this to their SIPP when received. If the individual pays tax at 40% or 45% they can claim excess tax relief through their Self Assessment tax return or by making an earlier separate claim with their tax office.

+If my client is looking to transfer an arrangement that is in drawdown from another pension scheme, does this transfer need to be held in a separate plan?

It will need to be held in a separate plan if an individual has already taken pension benefits from their SIPP in the form of drawdown. Please contact our Intermediary Support team on 08000 326 323 for more information. If your client is not already on the capped drawdown limits, then a recalculation will occur on the first anniversary after the transfer.

+How often is the maximum income withdrawal limit reviewed for capped drawdown?

From 6 April 2011 your client’s maximum income will be reviewed every three years up until age 75. After age 75 the maximum income will be reviewed annually. If the pension is in drawdown prior to 6 April 2011, the date that your income will be recalculated will be the earliest of:

  • The end of the five year review period
  • The first income drawdown review following a 75th birthday

Following a transfer to another drawdown provider it will be the first anniversary of the most recent review.