your retirement
In this edition of “Your Retirement” read expert views, catch up with the latest issues in the world of retirement planning and take our quiz to see if your financial affairs are in order.

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Why goal setting matters

It would be rare for all but the most free-spirited of us to start on a journey without knowing our final destination.

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What now for annuities?

Annuities have long been the retirement income product of choice.
The new state pension

For anyone reaching state pension age from 6 April 2016, the state pension has changed.
Is it different for women?

Women have traditionally saved less into a pension than men
Important Information

Specific investments may have additional risks and commitments. You must ensure that you read all documentation regarding any investment you choose to make such as key features and further information brochures. Please remember past performance is not a guide to future performance. You may not get back the amount you invest. The value of your investment and any income from it may fall as well as rise.

Laws and tax rules may change in the future without notice. The information here is our understanding in September 2016. This information takes no account of your personal circumstances which may have an impact on tax treatment. Exchange rate changes may cause the value of overseas investments to go down as well as up. Investment trusts may borrow to finance further investment (gearing). The use of gearing is likely to lead to volatility in the Net Asset Value (NAV) meaning that a relatively small movement, down or up, in the value of a trust’s assets will result in a magnified movement, in the same direction, of that NAV. This may mean that you could get back nothing at all.

The articles in this magazine are provided by carefully selected contributors and are published without any representation or endorsement made by or from us of any kind whether express or implied, including but not limited to the opinions expressed, appropriateness of any recommendation made, fitness for a particular purpose, compatibility with any investment strategy or accuracy.

We will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with your reliance on any article or the contents of any article contained in this Magazine.
Contents   Contact Information
Your Retirement Homepage

Welcome

Why goal setting matters

Clued up or clueless?

Our customers speak

The adviser view

What now for annuities?

The new state pension

Is it different for women?

A bluffer’s guide to…

Avoid the ‘dash to trash’

Innovations in retirement investing

Financial returns may not be the only goal

In the news

Manage your account online at www.alliancetrustsavings.co.uk

Call us on 01382 573737.

Our Client Services team is available Monday to Friday 8am to 5pm.

Your calls may be recorded.

Alliance Trust Savings Limited
PO Box 164
8 West Marketgait
Dundee DD1 9YP

contact@alliancetrust.co.uk
Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.

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