@financial_craic: Actual details on the personal investment accounts. €12,000 annual limit €50,000 tax free limit 1% tax on amounts over €50,000 Lots of positives to take away from these. They are definitely designed for "Middle Ireland". Are they as good as @Simon Harris TD could have made them, no.

FinancialCraic
FinancialCraic
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Region: IE
Tuesday 06 October 2026 15:21:39 GMT
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mazinhotok
Mazinho :
Would a thousand a month not hit the €50k mark after 4 years 2 months?
2026-10-06 16:08:31
2
eoinwalsh819
eoinwalsh819 :
Is it worth starting this investment account at €250 per month Because normal people can't afford €1000 per month.
2026-10-06 16:41:39
4
chxzenone0
Chxzen-one :
You know what, with how dumb our TDs are, and our current non pension alternatives it’s not half bad.
2026-10-06 16:48:52
9
alane2090
AlanE20 :
typical Irish solution bits of others schemes mushed together, a straight copy of UK ISA was all that was needed, would you agree max out your pension allowance first and then invest in this
2026-10-06 15:52:11
11
supercar1271
Supercar1271 :
Can you open on for a child
2026-10-06 17:47:38
2
user968951231
. :
Absolutely the worst of both worlds… 🤣
2026-10-06 20:17:44
3
kp_slimm
Kyle Parsons :
Bro this is 100 times better than before ETFs were off the table
2026-10-07 08:24:29
2
justanaveragegemini
justanaveragegemini🇮🇪🌈♾️ :
Do we think that 12k could roll over if not met year 1 to year 2? and so on
2026-10-06 15:41:53
1
cassd8
Derek Cassidy :
Not sure how you figured it’s not for the 170b sat in current accounts. I’ll be encouraging all the family (parents, kids etc) to invest in one. The €50k limit is far higher than the UK ISA and whilst the 14k is a bit lower than I’d have hoped for it’s still a relatively large amount for those it’s targeting. Overall it’s far better than I expected.
2026-10-06 16:49:02
0
rivervalley3
rivervalley3 :
Charges ? , no one has stated what they are ???. 8% ?? Return ? at what risk ratio ?
2026-10-06 18:08:03
0
nachojerez61
nachojerez :
Can you just lodge 80000 and leave it and just top up 1 euro a year , would you receive 8 prercent on the 80000
2026-10-06 18:03:42
0
user8426704274265
Gerry Sinnott :
crap only 12k a year how long to get a 50,k return
2026-10-07 08:18:29
0
grahamr
GrahamR🇮🇪🇪🇺 :
Fingers crossed for trading 212… and a once off service to swap everything in…
2026-10-06 15:36:07
3
benamon111
Benamon111 :
Who manages the investment and how much will that cost the investor?
2026-10-06 17:39:58
2
5471223and
5412345 :
Any ideas what does this mean for Irish living abroad ?
2026-10-06 15:47:38
0
gc97.ire
Gc97 :
Is it not if the account has 52k you have to pay tax on the full 52k, so not just the 2k??
2026-10-08 17:24:15
0
andyok820
andyok :
Do you still pay exit tax for the new fund if your account is above 50k?
2026-10-07 01:52:23
0
tonyh7740
Tonyh7740 :
Why are you saying exit tax is going to be 35% when apparently it’s only going to be 1% above €50k?
2026-10-07 11:11:30
1
prof_jackk
Prof Jack :
Wonder why they came up with the 12k limit
2026-10-07 11:14:41
0
maccyd2002
maccyd2002 :
Not to bad
2026-10-07 22:44:38
1
ampoloils123
AA :
Akin to going to Dodgy Bros car yardand buying a used vehicle cobble together from two other vehicles.
2026-10-06 17:26:47
1
user40441916027505
user4044191602750 :
USC tax is formed for financial crisis ? even the crisis is over or not ? USC is still in effect ? can the government use the USC tax as an investment for workers ? or another contribution as investment ? bonds crisis getting high interest rate ? Euro,Pound or Dollar might suddenly devalue or diffriate ? Irish bonds or ireland gold coin or phydical gold ? a buffer for crisis? war,trade war,fuel war ? currency war ? if the government planning addition payment for teenager they can put it as savings or investment for there funds for housing in the future ? since there plan is to cycle money they give to workers and return to government so they can have funds or money for there project and protection for the next crisis ? in the past the USC is for financial crisis ? USC now is for investment savings ? lending money for warring countries ?
2026-10-06 19:58:53
1
ultan_mcguinness
Ultan_mcguinness :
@Arch13
2026-10-06 17:47:19
1
newsbyorla
newsbyorla :
Who remembers investing in bank shares, loosing them all and your money. Do you trust banks to invest your money, what happens if a cyber attack. We already paid tax to save our money. They want our savings for what? For who? Do you trust a man with no qualifications who answers to the EU. Question to think about
2026-10-06 21:29:36
1
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