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AJ Bell Youinvest vs Alliance Trust Savings 2020

Your capital is at risk.
Is Alliance Trust Savings better than AJ Bell Youinvest? After scoring UK share dealing accounts in six areas for our 2019 review, AJ Bell Youinvest is better than Alliance Trust Savings. AJ Bell Youinvest charges £9.95 per trade and a discounted £4.95 per trade for investors who place over ten trades a month. AJ Bell offers high-quality research driven by Morningstar as well as an impressive mobile app. Conversely, AJ Bell offers an average trading platform and basic education resources.

Overall Rating

Feature AJ Bell Youinvest Alliance Trust Savings
Overall 4 3.5
AJ Bell Youinvest Review Alliance Trust Savings Review

Trading Fees

Feature AJ Bell Youinvest Alliance Trust Savings
Share Trading: 0-9 Deals/ Month
£9.95 £9.99
Share Trading: 10-19 Deals/ Month
£4.95 £9.99
Share Trading: 20+ Deals/ Month
£4.95 £9.99
Annual Custody Fee: £0 - £250,000*
0.25% (Max £7.50 per quarter) £120.00
Bonds - Government (Gilts) - Fee
£9.95 £9.99
ETFs - Fee
£9.95 £9.99
Investment Trusts - Fee
£9.95 £9.99
Telephone Dealing Fee*
£29.95 £50.00
Commissions & Fees 4 4
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Platforms & Tools

Feature AJ Bell Youinvest Alliance Trust Savings
Desktop Platform (Windows)
No No
Web Platform
Yes Yes
iPhone App
Yes No
Android App
Yes No
Stock Alerts
No No
Charting - Indicators / Studies
10 10
Charting - Drawing Tools
1 1
Charting - Notes
No No
Charting - Display Corporate Events
Yes Yes
Charting - Stock Overlays
Yes Yes
Platform & Tools 3 3.5
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Research

Feature AJ Bell Youinvest Alliance Trust Savings
Research - Shares
Yes Yes
Research - CFDs
No No
Research - Funds
Yes Yes
Fund Research - Research Reports
Yes Yes
Research - ETFs
Yes Yes
Research - Bonds
Yes Yes
Portfolio Allocation Breakdown
Yes Yes
Research 4 3.5
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Investments

Feature AJ Bell Youinvest Alliance Trust Savings
Share Trading
Yes Yes
CFD Trading
No No
Funds
Yes Yes
ETFs
Yes Yes
Bonds - Corporate
Yes Yes
Bonds - Government (Gilts)
Yes Yes
Investment Trusts
Yes Yes
Spread Betting
No No
Advisor Services
No No
Offering of Investments 3 3.5
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Education

Feature AJ Bell Youinvest Alliance Trust Savings
Has Education - Share Trading
Yes No
Has Education - Funds
Yes No
Has Education - Retirement
Yes No
Client Webinars
No No
Client Webinars (Archived)
Yes No
Education 3.5 3.5

Overall

Feature AJ Bell Youinvest Alliance Trust Savings
AJ Bell Youinvest Review Alliance Trust Savings Review
Overall 4 3.5
Winner check_circle
After seven months and hundreds of hours of researching 12 different share dealing brokers, the UK.StockBrokers.com team collected thousands of data points. To focus on two brokers, we will now compare AJ Bell Youinvest vs Alliance Trust Savings.

First, we will compare the fees charged for dealing in the UK. There are two primary fees: the cost to place each trade and the monthly, quarterly, or annual management fee charged which varies depending on the type and size of your portfolio. We researched both to provide a single star rating for cost. Both AJ Bell Youinvest and Alliance Trust Savings are rated 4.00 stars.

Further breaking down costs, we analyzed four different trading scenarios. For all four scenarios, we are assuming a £30,000 portfolio for custody fees.

Scenario 1 - 12 trades per year, or 1 trade per month. AJ Bell Youinvest charges £149.40 and Alliance Trust Savings charges .

Scenario 2 - 3 trades per month, for a total of 36 trades per year. AJ Bell Youinvest would charge £388.20 while Alliance Trust Savings would charge .

Scenario 3 - If you make 10 trades a month, or 120 per year, the fees with AJ Bell Youinvest wold be £624 and the fees with Alliance Trust Savings would be .

Scenario 4 - If you make 20 trades a month, or 240 per year, the fees with AJ Bell Youinvest wold be £1218 and the fees with Alliance Trust Savings would be .

Cost aside, we can now compare popular features and tools investors prefer. Access to the investments you want is important, and AJ Bell Youinvest alongside Alliance Trust Savings offer clients ISA, ISA - Junior, SIPP and SIPP - Junior. Next, some traders desire robust charting, so the number of drawing tools and total technical indicators made available, as well as stock alerts, are considered. Both AJ Bell Youinvest and Alliance Trust Savings provide clients with access to 1 total charting tools. Both AJ Bell Youinvest and Alliance Trust Savings provide clients with access to 10 total indicators (eg, moving averages). Neither offers basic stock alerts. Finally, for researching funds while share dealing, having access to mutual fund research reports is also helpful. AJ Bell Youinvest alongside Alliance Trust Savings offer fund research reports.

Overall, between AJ Bell Youinvest and Alliance Trust Savings, AJ Bell Youinvest is the winner.

AJ Bell Youinvest Review
Alliance Trust Savings Review


All pricing data was obtained from a published web site as of 01/15/2020 and is believed to be accurate, but is not guaranteed. The UK.StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.

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