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.