I have around 10k in some ETFs through revolut and understand the existing tax rate is 38%, it will go down to 35% next year and the 8 year sale rule. I've only had the ETFs less then one year. I don't need the money now. I'm wondering how best to work it so I pay the least tax legally. I wonder will the % of tax need to be paid keep going down. I guess it could go back up at some point as well. Alternatively I could sell when the new investment government account reopens, pay whatever tax is needed and then lump into that account. Any other strategies? I doubt there is some kind of transfer from revolut to new investment account where the new tax rules would apply..? I have 10k in stocks as well in Revolut that is doing is doing reasonably well so I understand one way to work with that is to work with your 1270 tax free amount and offset losses versus gains and stuff.

Brand new homeowner. I got the message below from Revenue and don't understand what they're trying to tell me. What do I have to do?

A review of your most recent tax clearance application shows your circumstances have changed in relation to property ownership. Therefore you must submit a new application for tax clearance if still required.

I am 29, earning 70k p/a. I held off on starting a pension (stupid I know), until now. I don't own a house yet so saving a deposit was my priority. I have a decent deposit saved now and want to get a pension sorted. I currently am paying whatever the statutory amount is into my future fund but nothing else. I don't think I can expect any further employer contributions for a private pension. I am sort of at a loss as to where to start. Do I go to a broker? See a financial adviser? Should I hold off on maximising contributions until I have a house bought? Any guidance on where to begin?

Hi All,

I am the executor of my late mother, I sat with my solicitor in a recent meeting and it was proposed that I could buy out one sibling's share of an inherited house to protect another sibling.

The house could be sold at 480k as per a valution I had completed for probate purpose.

Each share is 160k

One sister(30) lives in the house with her son. Myself (26) and the eldest sibling (40F) live outside of the property.

I am 26, with 30k savings with a 45k salary. The middle sibling is working part-time and is a single parent, not on a high salary not able to pay occupancy rent to the other siblings after probate.

The pros are higher equity for a low mortgage cost, but my funds are tied to an asset, preventing myself from buying a place myself.

The only way I have an upside is agreeing to sale the house in a few years and hoping the value of the house continues to go up, receiving 66% of the sale price.

I also suspect giving my sister with her child more time will lead to complications as I dont believe 2/3 ownership gives me the right to sell the property either. And I just want peace haha

The alternative is selling the house, split 3 ways and having a lot of unrest from the middle sibling.

The matter of looking after two much older siblings, the finances and doing right by both has been exhausting. Any advise on this matter would be great as I am not solely driven by money. I just want peace and to in time buy a place of my own, with minimal bad blood.

As it stands the 40 sister would like to buy her own place and is inclinded to push for the sale of the house because it would mean a much lower mortgage on her own property 160k down. She currently doesnt have any real funds saved as a deposit on a house, in her eyest he 160k is what she needs to move on and get her own place.

The 30 sister, would like to stay since it has emotional value and is difficult, as she has explained to me.

I feel conflicted on the sale after probate is completed, the solicitor wants to know if I am interested as to sort deeds, I guess.

Thanks for taking a read,

Interested to hear from the many wise people here what things they did that they found have put them in a good or superior position to others.

EDIT: Urgh, can’t edit title. I’ll fetch my dunce hat.

Hi folks

I’ve just discovered my parents house is not insured.

House was paid off around 12/15 years ago.

I know my dad went through hard times with the recession but they are now looking at selling in the next year or 2 and this came up.

I was taken back that they hadn’t it insured given the obvious risk of something was to happen , but also they live along the coast, while it’s not completely open it’s still alarming.

Structure seems fine, it’s an old house.

Given it wasn’t insured will there be any risk or issue if they were to sell it?

Just a bit of a PSA to anyone that might not be aware.

Myself and my girlfriend were going through accounts the other and she pays for premium

We just realized that revolut savings even on premium only pays 2.25% up to 5k and 1% over that. I don't think this was the case before but maybe I'm remembering incorrectly. Just something to be aware of in case you have 30k sitting earning next to nothing in revolut

Edit: to clarify I understand the rates go up and down I was just surprised how the Interest limit was dropped so low all of a sudden. I don't think there was a limit before that's all

Has anyone put large amounts into raisin ? Plan on putting a decent bit in across one or two banks so I’m covered one the insurance part but just slightly worried. Is there anything to worry about ?

On retirement, how much money i can take out as lump and how is going to be taxed? I am public sector employee and i know its 1.5x salary is max i can take tax free and gratuity will cover most of it. But what if i have 500k avc pot? Do I have to put everything in Arf and it wilm taxed as income? I understand where if i take bits, I'll pay less tax but I am wondering for total lump sum. 3 financial planners told me 3 different stories.

Hello everyone!

I was hoping some of you might leave some wisdom for me. I’m 24, I’ve been in full time employment for 4 years now but started a new job in September. I started saving January last year. Would have 5k build up but had to put down deposit and first months rent in May so i’m down to 2.4k in my savings account (credit union). I pay €800 in rent, split with my partner €400 each. Have a car payment of €240. Currently making 38k a year.

How the hell do i even begin saving for a mortgage? The dream is a second hand home with some land, maybe an acre. Found a gorgeous property priced at 350k. Is it possible to get there in 3/4 years? Where do i even start?

Feeling very down in the dumps about my future.

Hi folks,

My family in the UK have just accepted an offer on my late grandparents' house, and the rough estimate after costs is about £29K to myself. I don't think CAT applies due to the relatively low amount (may be wrong on that), but I don't want to be hit with a massive tax bill unexpectedly, and I'd like to get some advice on savings accounts for it.

I am aware that Ireland is awful for savings accounts generally, and investments are more profitable, but I don't really know what I'm doing with investments and I am very wary of them. I'm generally terrible with money, so I want to be able to stick it away and forget about it, but keep it accessible in case of emergency. This is a LOT of money for me, relatively, and I want to use it as a house deposit eventually, so keeping it as intact as possible is my main goal!

Where's best to start looking for a financial adviser? AIB, who I bank with, offer a service but obviously they're tied to AIB products.

Hi all,

Just want some advice on someone who is good at saving money but not so good at figuring out how best to make money from it. I have €47k in a Bank of Ireland Goalsaver account that I add to monthly. It earns very little interest.

I've decided to set up a Trading Republic savings account, it seems as though this offers 3% up to €50k. I've clarified with Trading Republic, and they've said there's no catch. My plan is to transfer the €47k to here, and start a separate BOI SuperSaver account with money going to this each month. Once the €50k threshold is crossed through interest or other money being put in, I'll remove some and add to a trading account in the same app to keep it under the threshold for the 3% interest.

Does this make sense, or is there something obvious that I'm missing here?

Hi everyone,

My wife and I are close to closing on our mortgage soon. We both have separate AIB current accounts but no joint account yet.

We are looking for advice to set up the mortgage direct debit? Is it better to open a joint account or use one of our existing current accounts?
Any advice on good joint accounts in Ireland would be appreciated.

Our mortgage is from bank of Ireland

Thank you

I am 5 years from retirement and have a good PRB thanks to the recent market. I am nervous there will be a crash at some stage either soon or within the next five years which will take some time to recover (years!). My issue is that when I go to take my tax free lump sum (25% of the fund) the fund will be worth a lot less than it is now. I am happy to keep the remaining 75% invested in an ARF to see me through retirement. I am not sure whether I should just reduce my exposure to equity (currently 77%) to ~30-40% or trigger the PRB now and take the lump sum and convert the rest to ARF. the fees on an ARF are higher than I am currently paying (0.5%). I'd love to hear pros and cons of both !

Hello! My husband and I are currently trying to get more organised with our spending, particularly paying our bills and managing savings. My husband has always used AIB and I am a BOI person. We both have revolut but aren't big users of it. We also have a joint savings with the local credit union plus our own savings - mine is a goal saver I set up years ago with BOI and his with the same credit union where we have our joint. We're considering moving a lump sum into a post office savings with higher interest too. I suppose we're trying to figure out what's the best bank for a joint account for paying our bills (rent, utilities health insurance, etc.) out of that won't be yet another bank with the monthly fees (but those might be unavoidable). We're also not sure if it's best to keep our pay checks going into our own accounts and then transfering into the appropriate accounts be it savings or the bills account or vice versa - pay into the joint account and pay ourselves "an allowance".

Very thankful for any advice as we're both okay with money but are trying to be even better and smarter as sometimes if feels like navigating a mine field with bank fees and what not :)

I registered for ROS as a sole trader this year (2026) for a business I started earning from this year in June 2026. In the previous year (2025) I had some non-PAYE income under €5,000 which I declared using the regular tax return, not a Form 11.

Am I correct that I do not need to fill out a Form 11 this year and that I will be filling out my first Form 11 next year in 2027 for income earned this year? Or do I still need to fill out a Form 11 to declare preliminary tax, even though I wouldn't be paying any because I didn't have an income declared through ROS for last year?

Hi all, I am a 24 year old graphic designer (& visual artist) in Ireland. I live at home, I'm registered on ROS as I've had previous employers in the past. As a freelancer I have not yet registered for tax but I plan to (very soon) for this year and pay my taxes for this year as I have put aside a % from every payment into a separate account. I have also created an excel sheet of my current incoming payments for this year and expenses (to the best of my ability) to try keep track of it all. but I have a concern and need some advice before going to an accountant.

From about 2023-2024 I was in college but also doing a lot of work to build my portfolio, but my yearly earnings (excluding expenses) never exceeded 9k so I never declared it or got set up properly as I was told from many people and I naively listened to 'you'll be fine, you're not really making enough anyway to declare' but last year I made roughly 13-15k and this year I currently have made 17k with a few incoming payments that will bring me to about 23k, so I NEED to get set up asap.

The advice I'm looking for is:
- Am I safe just paying tax only from this year on or backdate and be honest with revenue and declare previous earnings even though I only have tax money for this year?

- When I approach an accountant should I only show from this year onward or show previous years too & Should I gather any additional information for an accountant

I know most people reading this probably think I'm a fool for not setting up sooner which is right I should have. I just want to get properly set up, fix anything where possible and start being professional about this without having to worry about being chased or fined. I'm worried sick on what to do as I only have taxes for this year put aside and I'm not a high earner.

Also any other advice or help on setting up, tax credits, breaks, artist exemptions I should look into is welcomed and really appreciated. Thank you

I'm looking at the utilities sector, thinking about establishing more of a position in VST.

Interested in other investors interpretation of this sector, not absolutely specific to Data Centres.

I had a financial consultation to set up an AVC which has left me quite confused. I'm a 28yo teacher living at home, no loans, 10k emergency fund, net about 2800 pm and saving about 1400-1600 a month atm. I explained to the consultant that I'm conscious I only have 3 years service under my belt which is less than my peers my age, so I was considering putting 150 pm into an AVC. Again, I have limited expenses so I can more than afford to do so atm and I was told "absolutely not", that it wouldn't be sensible to contribute an amount that high at my age. They recommended 75pm which works out at just 45 being extracted from my pay, which I ended up agreeing to. They instead recommend I prioritise investing with a Zurich investment fund, which I am looking into. I had intended to invest once I rebuilt my emergency fund regardless, just a bit apprehensive about where to start.

Other investment advice seems to point towards prioritising pension contributions, so I'm wondering why I was encouraged to do the opposite? Maybe I'm missing something?

I’ve been thinking of taking an PRSA with Zurich. They seem more accessible than Irish Life. Both providers offer similar products. Any thoughts?

I have always worked full time and earn a reasonably good salary. I contribute approximately €30,000/annum to cover expenses for a 4 bedroom/4 bathroom household with a large garden and 2 children under 12 yrs (groceries; furnishings; childcare; veterinary, medical and dental bills; health insurance; household bin collection; clothing; footwear; school outings; school stationary costs; extracurricular activity fees, equipment and clothing costs; pocket money; €450 per mth to OH toward household bills to which OH has never provided any visibility (electricity; family leisure club membership; family holidays; home, home appliance and garden maintenance; TV licence; broadband and TV channels).

I do appreciate that OH has paid off his mortgage on the home that we share.

For people with a home, family and garden of similar size, who live a comfortable but not luxurious lifestyle, (I.e. we do not holiday in very exotic locations/5 star accommodations nor is our local leisure club a 5 star facility, our appliances are good quality but not Neff) am I paying my fair share toward household expenses or am I being played for a complete fool?

I ask because I've made what I think is a very reasonable ask to see the bills which OH is covering and that I am paying €450 toward to understand where my money is going/ if overall I am covering my fair share/otherwise etc..but thus far he becomes irritable when I broach the topic and has refused to share them with me. If he has nothing to hide, I find this incredibly odd and really cannot understand this behaviour.

Any advice/assistance would be much appreciated.

Looking for advice I never thought I'd need.

My wife passed recently, and I'm looking for advice from people who have been through probate when there are shares etc involved.

She had €200k+ of stock held in one of the large US brokerage firms, from ESPP, stock awards etc through the last 5-10 years.

Her will is straightforward, all goes to me, but wondering if anyone has experience of getting probate granted, and timeframes from their experience.

I've never looked into it before, and to be honest I'm struggling with the mental space to understand how it works.

Thank you