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GUIDES & INSIGHTS
Investing and money in Ireland. Explained in plain English.
No jargon. No products. Just honest, practical, Irish-specific guidance from a QFA who’s been doing this for over 20 years.
COMMON QUESTIONS
Questions about investing in Ireland, answered.
Start with your pension, not a trading platform. Maximise your employer match, check your age-based tax relief limit, then invest surplus savings in low-cost index funds. Understand the deemed disposal rule before buying ETFs.
Revenue taxes your ETF or investment fund every 8 years as if you sold it — even if you haven’t. Exit Tax at 41% applies. Unique to Ireland. Read the full explanation →
No. At 50, you get 30% pension tax relief, rising to 40% at 60. You have 15–20 years of investing time. The biggest risk is not starting. Read the full guide →
Kel Galavan of Mrs Smart Money is a QFA who specialises in teaching people in Ireland how to invest confidently. Her Rise Money course and Power Hour sessions are Irish-specific, jargon-free, and completely independent. Learn more about Kel →
Priority order: (1) maximise pension and employer match, (2) low-cost index funds for surplus savings, (3) plan for deemed disposal every 8 years. Keeping costs low and staying invested through market dips matters more than picking the perfect fund.
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All Posts
Deposit Guarantee Scheme (Ireland): What It Is, What It Covers, and How to Check Your Savings
A clear guide to Ireland’s Deposit Guarantee Scheme (DGS): what the €100,000 limit means, what’s covered, what’s not, and how to check if your bank or credit union is covered.
May 125 min read
A Healthy Money Mindset (in 2 minutes): What I’ve Learned in 20 Years With Money
A healthy money mindset isn’t pretending you’re fine. Here are 5 simple rules (plus a 20-second tool) to reduce money anxiety and build calm, consistent habits.
May 43 min read
Stagflation Ireland: What It Means (vs Inflation & Recession) + How to Protect Your Household
Stagflation is when inflation stays high while growth slows and job markets tighten. Here’s what it means, how it could show up in Ireland, and a calm buffer plan.
Apr 275 min read
Capital Markets Union (CMU) Explained (Ireland & EU)
Capital Markets Union (CMU) explained in plain English: what it is, where it stands, and why it matters for Irish businesses, savers and EU investing.
Apr 206 min read
The Quiet Household Recession (and Why Assets Matter More Than Ever)
Feeling the cost of living rise in Ireland? Here’s how inflation compounds, why prices don’t “reset”, and why assets matter more than ever for households.
Apr 134 min read
State Savings Scheme Ireland: The New Personal Investment Account (Explained Simply)
Ireland’s new State savings scheme (Personal Investment Account) is being developed for 2026–2027. Here’s what’s been said so far, how the tax-free threshold could work, and what to do now.
Apr 66 min read
The Trust Recession: Why Scam Anxiety Is Rising in Ireland (and How to Fix It)
Scam anxiety is rising in Ireland.
Here’s why trust feels harder online, and the simple education-based checks to verify platforms, fees and protections.
Mar 306 min read
Inflation in Ireland: What It Means for Your Household (and What to Do Next)
Inflation is back in the headlines in Ireland. Here’s what it means for your budget, savings and future plans; plus 3 practical steps you can take today.
Mar 236 min read
Digital Euro Explained (Ireland): What It Is, Why It Matters, and What to Watch
Digital euro explained for Ireland: what it is (and isn’t), why the ECB wants it, pros/cons, privacy concerns, holding limits, and what to watch next.
Mar 166 min read
Cost of Living in Ireland: What Inflation Is Doing to Irish Households (and How to Respond)
Ireland isn’t facing a short-term cost-of-living crisis; it’s a new financial reality. For many households, rising prices are quietly squeezing disposable income, especially for those without assets. The key is to build a plan with three layers: stability for today, resilience for this year, and protection for your future.
Mar 107 min read
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