Investing in Personal Assets Trust

PAT is a quoted investment trust, and can be purchased via most UK brokers, wealth managers and fund platforms.  PAT offer a trading facility with Alliance Trust Savings (ATS) to enable you to hold shares in the Company through an ATS ISA or ATS Investment Dealing Account, where PAT cover the annual ATS fee, online dealing costs and dividend re-investment costs, if you hold only PAT in your ATS account.

Who is ATS?

Alliance Trust Savings is an award-winning business that has been serving the investment needs of private individuals since 1986. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

ATS currently administer over £14.5bn of assets for over 100,000 customers (as at 31 December 2018).

With flat platform Account fees, ATS charge you for what you do, not what you are worth. As your wealth grows, your Account fees won’t. You can find out more about ATS and the services offered by visiting www.alliancetrustsavings.co.uk.



Alliance Trust Savings ISA

The Alliance Trust Savings ISA is a tax-advantaged account designed for medium to long-term investment (5 years or more). It lets you access your money at any time and you don’t have to pay any tax on income or capital gains within the Account.

You can contribute up to £20,000 to your ISA in the 2019/20 tax year.

Each payment you make must be £50 or more. You can set up regular monthly or quarterly payments as well as one-off payments. And, you can start, stop and vary your payments whenever you like.

Plus, to take advantage of the growth potential of Stocks and Shares ISAs and make managing your accounts easier, you can also transfer all or part of your Cash ISAs to ATS.

Find out more and apply online



Alliance Trust Savings Investment Dealing Account (IDA)

The Alliance Trust Savings IDA is a flexible dealing account that gives you complete control to develop your investment portfolio in a way that works for you – whatever you are investing for.

You can make investment deals online, or over the phone, from just £50 a month. It is quick and easy with all trades settled automatically through your account. You can set up regular monthly or quarterly payments as well as one-off payments. And, you can start, stop and vary your payments whenever you like.

There are no tax advantages to investing through an IDA, but because of this you can invest as much as you like and you can hold as many separate accounts are you wish – helpful if you are saving towards different goals.

Read the Product Guide and apply online



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.  Past performance is no indicator of future performance.



All investments carry an element of risk which may differ significantly.  The information in this section does not constitute advice nor is a recommendation to invest in either of the above accounts. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice. 



Remember you can only contribute to one Stocks and Shares ISA, one Cash ISA and one Innovative Finance ISA each year, regardless of provider. If you have contributed to a Cash ISA and/or Innovative Finance ISA this will reduce the amount you can contribute to a Stocks and Shares ISA. The Alliance Trust Savings ISA is non-flexible so the amount subscribed is not reduced if you make a subsequent withdrawal.

Unlike an ISA an Investment Dealing Account does not shelter you from tax on your savings or from Capital Gains Tax on the sale of any investments.

Laws and tax rules may change in the future without notice. The information here is our understanding in March 2019. This information takes no account of your personal circumstances which may have an impact on tax treatment.

‘Alliance Trust Savings’, ‘ATS’ and ‘AT Savings’ are all brand names of Alliance Trust Savings Limited together with the ‘Alliance Trust Savings’ logo are owned by and used with the permission of Alliance Trust PLC, the previous owner of Alliance Trust Savings Limited.

 

RISK WARNING

The value of investments and the income from them can go down as well as up as a result of market and currency fluctuations and investors may not get back the amount originally invested. Past performance is no indicator of future performance. The tax treatment of any investment depends on the individual circumstances of each investor and may be subject to change in the future.

The content of this webpage has been approved as a financial promotion by PATAC Limited, 21 Walker Street, Edinburgh, EH3 7HX. Authorised and regulated by the Financial Conduct Authority (FRN 613546).