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Trying to time the market may be tempting, but making regular investments may be a better plan.

Pound cost averaging is a simple concept, but it’s one of the most compelling arguments in favour of regular investing.

It’s what happens when your money buys investments regularly at different prices, meaning you get more units or shares for the same money when prices are low.

Below is an example comparing 12 regular investments of £100 over a year to a single lump sum investment of £1,200 made at the start of that year.



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From this example you can also see how you could be missing out on the full benefits of a rising market, unless you invest extra amounts while the shares are increasing in value.

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Important information

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.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice. We can’t give you financial advice.

Charges may be subject to change in the future.

How it works

1. First, you’ll need to set up a direct debit to your Alliance Trust Savings account:

  • Log in to your Account and select ‘Manage My Accounts’
  • Select ‘New Direct Debit’ and follow the instructions from there
  • Set your direct debit destination as ‘Monthly Dealing Account’

2. Next, tell us what you want to buy each month (you can change this whenever you like):

  • Select ‘Trading Centre’ from the toolbar
  • Then ‘Investment Instructions’ (in the ‘Monthly Trading’ box)
  • Follow the instructions from there

Once everything is up and running, each month we’ll automatically buy your investments within two working days after we collect your direct debit. Ready to take action?

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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.