Are you thinking about starting to invest, or do you want some information about different investment options? The following information will help to get you started and support you in your investing goals.
If you’re not sure what to do you should speak to a financial adviser.
You should bear in mind that the
value of your investments can go
down as well as up and you may
get back less than the amount
you originally invested.
Alliance Trust does not give advice. You need to ensure you understand the risks and commitments before investing. If you are unsure you should consult a Financial Adviser before investing.
Before investing ask yourself a few simple questions: Why are you investing? How much can you afford to invest? And be realistic; investing is usually something you’d do in the hopes of growing your savings in the medium to longer term (5 to 10 years). So if you’re saving for something in the short term – say Christmas or a holiday that’s coming soon - you might be better off with a straightforward savings account.
What you’re investing for, your age, your income and other sources of wealth and whether you have dependants to consider are all things likely to have an impact on the amount of risk you are willing and able to take. Investing always involves risk but you can manage this in different ways. For example by spreading your money across different investments with different levels of risk and by making regular investments over time rather than committing all your money in one go.
ISA and SIPP accounts are tax advantaged ways to invest. Your
investments grow free of income tax and capital gains tax as
long as you stick to certain allowances.
You can’t usually take money out of a SIPP until you are 55, so that isn’t for everyone. But it generally makes sense to use up your ISA allowance each year before investing through IDA.
Before you make any decisions about how to invest, do your
research. This is essential to understand how much risk might
be involved with an investment, what the charges might be, how
you might expect it to perform (remembering that past
performance is not a guide to future performance) and what
sort of income it might pay you.
Visit our investment hub
It’s packed with resources to teach you more and help you find the right investment to meet your goals.
Be sure to review your investments against your plan, and ask
yourself if you’re still on track (our interactive calculators can
help with this). By reviewing regularly and taking action when
you need to you should reduce the chances of any nasty shocks.
You might want to consider setting aside a regular time to check the progress of your investments. And if you’re making regular payments into your Account, think about increasing those each year in line with inflation.
Managing your investments online and in one place through a service like Alliance Trust Savings makes it easy to keep a close eye on things. You can also trade quickly and efficiently this way. Including in real time for listed securities.
Learn more about our platform
Why invest through Alliance Trust Savings?
DIY investing isn’t for everyone. If you’re not confident you
know what you are doing you might want to get help from a
financial adviser instead. And even if you are confident, there
might still be times when you need advice. For example on
complex investment and pension decisions or tax issues.
Find a financial adviser
Our platform is instinctive and easy to use, but if you ever run in to trouble or prefer to talk to someone it’s backed by our friendly Client Service team. Based in Dundee and just a phone call away on 01382 573737 (from 8am to 5pm, Monday to Friday).
When you sign-up we’ll send you a Personal ID and
password. It’s faster and cheaper to trade online (£12.50 a
trade compared to £40 by phone or post). And after 5
years you’ll benefit from a loyalty discount for online
trading (read our charges guide for the details).
Calls may be recorded for training and security purposes.
Before you choose any of the products below make sure you understand its aims and risks. You should ensure you have read the Key Facts document and - if you are investing in funds - the relevant Fund Factsheet and fund Key Investor Information documents beforehand. These are available through our Investment Selector. If you are unsure you should seek professional financial advice.
Invest up to £15,240 in the
2016/17 tax year. Your
savings grow free of income
and capital gains tax.
No tax advantages. But no
investment limits either.
Includes real time online
trading in listed securities.
An account for your longer
term future. Offers full flexibility for when you access your pension savings.
Give your child a start
by investing up to £4,080 in
the 2016/17 for them. They get access
from age 18.
No tax advantages. But no investment limits either. Keep control over when your child gets access.
Get a quick quote now.
Our Investment Selector is powered by Morningstar, a leading provider of investment research. Use it to:
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The place for all the latest Alliance Trust Savings news, press releases and commentaries.
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Get investment tips and ideas
Expert research, tools, ideas and information to help you in making your investment decisions.
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This list is based on the gross inflows in each fund by Alliance Trust Savings customers, via our online trading platform.
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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.