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ISA

Do you like value for money?

You'll love the Alliance Trust Savings Stocks and Shares ISA.

We try hard to give our customers the best value for money. We believe we have one of the most competitive ISAs on the market.

To maximise the potential of your ISA it is important to understand the impact charges have on your investment. Some fund providers charge an initial charge, typically up to 5.5% of your investment.

At Alliance Trust Savings we have negotiated discounts on initial charges for the majority of the funds within our ISAs, saving you up to £587 of a full annual allowance. Also save up to 0.75% or £80 each year with our fund annual charge rebate for each annual subscription which gives an overall saving of £667.

In addition to this, we have negotiated rebates on the annual management charge applied by fund providers. We are the only ISA provider who passes 100% of these rebates directly back to you.

The impact of our unique 100% rebates can be significant. For example, as the table below shows, a £21,360 investment in our Stocks and Shares ISA held over 10 years could be worth £4,200 more than if you were invested in an ISA that does not pay rebates.

Hold it for 25 years and the difference is stark - up to £18,400.

The value of rebates

Fund value - £21,360 5 years 10 years 15 years 20 years 25 years
ATS rebate £28,700 £38,700 £52,300 £70,600 £95,400
No rebate £26,400 £34,500 £45,100 £58,900 £77,000
Difference £2,300 £4,200 £7,200 £11,700 £18,400

Notes: figures based on ISA annual charge of £25+VAT (20%) plus a £5 charge for reinvesting the rebate. Couple each investing £10,680 invested in one fund with an annual management charge of 1.5% and a rebate of 0.75% paid annually. Projections assume an annual growth rate of 7%, which is the FSA’s mid projection rate. Competitor figures are based on an initial charge of 5.5%, annual management charge of 1.5%, no dealing charge and that no rebate is paid. All figures are rounded to the nearest £100.

Risk Warnings

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested. Tax rules may change in the future and taxation will depend on your personal circumstances. All investments carry an element of risk, which may differ significantly. 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 risks will be greater. The potential for profit or loss from transactions on foreign markets or in foreign currency denominated markets will be affected by fluctuations in foreign exchange rates.

* Fund manager rebate payments we receive for funds bought and held through us may change at any time. This information is based on our understanding of current tax law and 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.

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