Alliance Trust Savings - i.nvesting today

Welcome

Welcome to our ‘new look’ i.nvesting today newsletter.

In this issue, we have included a series of articles to help you make the most of the tax breaks available before the end of the tax year.

We also take a look at the Morningstar research tool and give you a quick reminder of some of the excellent features available.

I hope you enjoy this edition and as always would welcome your feedback and any suggestions for future articles.

Happy investing.

Garry Mcluckie
Marketing Director

Important Information

This newsletter is prepared for general information only. Nothing in it should be taken as an offer, invitation or inducement to engage in investment activity. Alliance Trust does not give financial advice. Please remember the value of investments and any income from them can go up or down and you may not get back the amount you invested. All investments carry an element of risk, which may differ significantly, and if you are unsure as to the suitability of any particular investments, you should seek professional financial advice.

Foreign markets will involve different risks than UK markets, in some cases the risks will be greater. The potential for profit or loss from transactions on foreign markets or in foreign currency denominated marketswill be affected by fluctuations in foreign exchange rates. We do not give advice and the inclusion of particular stock names is not intended as a recommendation. You should remember that the amount of tax relief depends on your individual circumstances and that the beneficial tax treatment of ISAs may not continue in the future. Information relevant to 2011/12 tax year unless otherwise stated.

This information is based on our understanding of current tax law and HM Revenue & Customs (HMRC) rules. Legislation and tax regulations are not guaranteed and can change at any time. Current tax advantages may change and could be withdrawn; tax rates and reliefs may change and depend on individual circumstances.

Contents		Contact	Information
i.nvesting today Homepage Welcome End of tax year reminder – use it or lose it What does the future hold for tax reliefs? The Self Assessment deadline has passed Could you take advantage of ‘hidden tax relief’ on pension contributions? Deal online from as little as £6.25 Taking a global view Investment research at your fingertips		Call us on 01382 573737. Our Client Services team is available Monday to Friday 8am to 6pm. Your calls may be recorded. Manage your account online at www.alliancetrustsavings.co.uk Alliance Trust Savings Limited PO Box 164 8 West Marketgait Dundee DD1 9YP	Alliance Trust Savings Limited is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised and regulated by the Financial Services Authority whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS firm reference number 116115. © Copyright Alliance Trust PLC 2000-2012