Investment advice in Ireland built around Irish tax rules, not a fund brochure
Moving beyond deposits means dealing with Irish Exit Tax and the 8-year Deemed Disposal rule correctly. We build diversified, low-cost financial portfolios that aim to grow ahead of inflation over the long term, with every fee shown upfront.
Free first call, no obligation.
Authorised by the Central Bank of Ireland and Financial Brokers Ireland member.
Most clients come to us in one of three situations
Savings sitting in the bank
You have cash building up and want to know whether investing makes sense, and how much risk is sensible for you.
A lump sum to put to work
A redundancy payment, inheritance, property sale or business exit. How you invest it, and in what, affects the tax you pay.
Investing for a goal
Long-term wealth, children’s savings, college costs, a home or extra retirement income. We match the plan to your timeline.
Evidence-based investing, not market speculation
Global diversification
Globally diversified portfolios across thousands of companies, aiming to capture the long-term return of the world economy instead of betting on individual stocks.
- Passive investment philosophy
- Structured risk profiling
- Multi-asset diversification
Fees you can see
Market returns are uncertain, but costs are not. We choose cost-conscious, tax-aware funds and show you every fee upfront.
- Cost-conscious fund selection
- Tax-aware fund choice
- Clear fee disclosure
Discipline over emotion
We act as your circuit breaker in volatile markets, with regular oversight so your strategy stays aligned with your goals.
- Twice-yearly portfolio reviews
- Systematic rebalancing
- Rules-based strategic focus
How Irish tax rules shape your portfolio
Gains on most funds and ETFs fall under Exit Tax, charged at 38% from 2026, with no annual allowance and a Deemed Disposal charge every eight years, even if you have not sold. Individual shares fall under Capital Gains Tax at 33%, with a €1,270 annual exemption and no deemed disposal. We build transparent, low-cost portfolios that fit your risk tolerance and tax position, and help you plan around the tax events and your reporting obligations to Revenue.
Compound interest calculator Ireland
Set a lump sum, a monthly amount, a growth rate and your annual charges to see what compounding could do. Returns are not guaranteed, so try a lower growth rate too.
You pay in €0. Growth would be €0.
Risk tolerance profiler
A quick guide to where you might sit on a 1 to 7 scale from defensive to adventurous. Your advisor will confirm this with a full assessment.
1. How long before you would need to withdraw this money?
2. What is your main objective?
3. If your portfolio dropped 20%, how would you respond?
Investment advice in Ireland: common questions
What does investment advice in Ireland involve?
Investment advice starts with your goals, your timeline and how much risk you are comfortable with. We then build a diversified portfolio, choose cost-conscious and tax-aware funds, and review it regularly. The usual building blocks for long-term wealth are an emergency cash reserve, pension tax relief and a low-cost diversified portfolio, and because Irish tax rules treat funds and shares differently, we plan the structure around Exit Tax, Deemed Disposal and Capital Gains Tax.
How does compound interest work in Ireland?
Compounding means you earn returns on your earlier returns as well as on the money you put in, so growth builds on itself over time. Nobody can promise a return, and what you keep depends on charges, tax and how long you stay invested. Interest on deposits is subject to DIRT, and investment gains are taxed under Exit Tax or Capital Gains Tax, so the calculator above shows the effect of compounding before tax.
Exit Tax or Capital Gains Tax: which is more efficient?
It depends on what you invest in. Most funds and ETFs fall under Exit Tax at 38% (reduced from 41% in 2026), with no annual allowance, no loss relief against other gains and a Deemed Disposal every 8 years. Individual shares fall under CGT at 33%, with a €1,270 annual exemption and loss relief, but no gross roll-up. We look at both against your own position.
What is Deemed Disposal and how does it affect me?
Every 8 years, Irish tax rules treat you as if you had sold your holding in most funds and ETFs, and tax is due on the gain even though you have not sold. The tax paid is generally credited against tax on a later sale. We plan for it as a known cost, so it does not catch you out. Tax rules can change, and fund taxation has been under review.
How can I invest for my child or plan for college costs?
A common approach is to invest regularly over many years, with the amount and risk matched to when the money will be needed. Start with an estimate of the cost and the year you will need it. The further away that date, the more risk you may be able to take, and many people reduce risk as it gets closer. Structure matters too: a child often cannot hold an investment in their own name, gifts can have tax implications, and a Deemed Disposal date could fall before college. We explain the options and trade-offs before you invest.
How do you protect portfolios against market downturns?
No investment is free of risk, and diversification does not remove it. Instead of trying to time the market, which is very hard to do consistently, we spread your money across different asset classes and match the level of risk to what you can live with. We explain how portfolios like yours have behaved in past downturns before you invest.
How much does investment advice cost, and is the first call free?
The first call is free and carries no obligation. We show you our fees before you commit to anything, and you can read the details on our statement of fees.
Ready to talk about your portfolio?
Book a free, no-obligation review with an advisor.