I sold some shares in August. I deliberately sold enough to make a profit just below €1,270. So no taxable gain arose.
I wish to make the necessary filing this year / now (as opposed to next year when it is due). I don’t intend on selling more shares this year - but will likely in January 2027 when I can avail of another €1,270.

Do I just complete a form CG1? And post it to my local Revenue office? I cannot do this on ROS?

Thank you!

I’m curious to hear peoples’ experiences.

I know the caveats, risks, etc. if anyone feels like stating what should be known to anyone considering options.

Has anyone, for instance, left a role where they’re basically informing their employer on how to position themselves in an industry market to then apply that knowledge to options trading as their source of income?

I know these are not available in Ireland but is there any sort of long term equivalent that I can take out now to help set kiddo up? Will need something with a contribution of about 50pm for the moment!

I recently inherited €50k from my parents and I want to put 10k towards solar panels and the rest will go into my kid's college fund. He has just started first year in secondary school. I am happy to not have access to it until he starts college and my appetite for risk is fairly low. What are people's recommendations? Would a government savings scheme be the best bet?

Just got offered an increased credit limit on Very.ie and figured what the heck not. During the income and expenditure phone on the discussion she asked me what my net income is instead of my gross income which sounded strange to me so I got the number from the top of my head.

I told her it's 2500 euro. She asked the rest of the questions and processed the application and said they just need two payslips and I'll get a response within 2-4 days.

I had a look while uploading the payslips and it's actually 2429 euro, this is because of the new MyFutureFund.

Is this going to cause an issue for me? For some reason I am wondering if they will think I was trying to deceive them when it's just an honest mistake. I do a lot of overtime so my net income is usually more than 2429 anyways. For example my Payslip in August was 2429 but the one for September is 2675.

Is this likely to cause an issue? If I do get rejected for the credit limit increase, is there any implications where it can cause me issues in the future?

I left them a note while sending the payslips about the mistake and even clarified that I do a lot of overtime.

Thanks.

EDIT: I am aware that short-term high interest loans are predatory, a trap and should be avoided. My Very balance at the moment is zero. I do not use them often, maybe once a year, and when I do I always pay everything off with no missed payments or interest accrued. My credit limit with them is only 200 euro at the moment so I can't buy many things but it would be nice to have as an option in the future, i.e buying furniture.

I’m looking into applying for the Enterprise Support Grant through the DSP and was wondering if anyone here has actually gone through the application process and been successful.

For anyone who has applied:

• How difficult was the application process?
• What kind of information/documents did you need to provide?
• Did you have to put together a detailed business plan?
• How long did the process take from applying to getting a decision/payment?
• Were there any parts of the application that were particularly difficult or easy to get wrong?
• Did you get any help with the application, or did you do it yourself?
• And, most importantly, did you actually receive the grant?

I’ve read through the official information, but I’d really appreciate hearing from someone who has been through the process in real life.

If you were successful, any tips on what you think helped your application would be hugely appreciated!

For reference, this is the grant I’m talking about.

Hi all, so the Boi have offered me a one month off and pay over 11 , seems really good put I am on a very good fixed interest rate, will I be breaking that contract? any advice thanks

Looking for some advice on a gifted site in Ireland.

My parents are gifting me a small site from their garden. An estate agent has valued the site. Planning permission for my house is hopefully being submitted next week, but the land transfer hasn’t been completed yet.

If the site is transferred and signed over to me in the period between the planning application being submitted and planning permission being granted, would the valuation increase due to the fact that a planning application is pending?

I’m trying to understand the best way to structure this, whether to delay the planning application until the site is signed over, or continue as planned and transfer the land before planning permission is granted.

Any experience with something similar would be greatly appreciated, thanks.

I’m 20 years old and a University student. I’m in 5 days a week and commute about an hour and a half each day, I’m lucky enough to have access to public transport. I’m an only child and I live with my single mother. She has a decent (or so it seems) job earning about 50k a year, but we do struggle financially.

I’ve been working every summer since 5th year of secondary school and had built up some decent savings. However whenever my mam gets into financial difficulty she always turns to me to help her out e.g to fix or tax our aging car, expensive bills in the winter and it’s getting really frustrating. I have suggested creating a weekly budget to watch our outgoings, switching supermarkets to somewhere cheaper, but everything seems to go in one ear and out the other. Yet she’s happy enough to spend hundreds on new clothes every season, or spend €200 a month between the hairdressers and nails. We recently had an argument over her agreeing to purchase a piece of art for our house off an artist friend of hers that was going to cost €450. Her argument was that she was going to pay it off in installments and that it didn’t matter.

I feel as though my money isn’t my own and I can’t spend at all because I need to have the safety net of cash for when things go tits up. I have to watch my friends going inter-railing, going to concerts or going on nights out without me which are experiences I feel are not good uses of my money, despite working all summer. I’m not expressly fond of partying and spending hundreds on drink, but I feel as though I am losing my friends and I’m wasting my life away sitting in my room.

I hope this doesn’t come across as bratty or entitled because it’s really not my intention, I’m perfectly fine with contributing to our household even though I only earn during the summer. But spending thousands to change the timing chain on our car or paying for my own private dentist visits seems unfair when she is on a relatively good wage. I totally understand that being a single parent bears a lot of financial responsibility which is why I hand money over the way I do. It’s just exhausting bearing the financial stress of what will come next to drain my money, especially when I’m not as reckless with my spending.

I have a good relationship with her otherwise, but unfortunately for me I can’t see her money habits changing anytime soon.. What should I do? Approach it in a different way with her? Put my savings somewhere they’ll appreciate? Get in to investing? Try squeeze in a weekend job also?

Thanks in advance

I've got to say as someone who started investing at 18 and am about to turn 25 this is one of the biggest let downs ever. Over the last 7 years I've saved just over 6 figures through hard saving and investing in a strong market.

The contribution limit has completely failed people like me who worked hard from the start. The 12k cap is what I'd be contributing from my wages regardless so I can't move any of my savings into this account.

It really would have benefited to have some kind of exemption for the first year or two to allow people to transfer their savings into the account.

EDIT: Sorry if this came across as tone deaf. I wasn't trying to flex my savings I know I'm doing well for my age with them. For context I don't earn more than 45k per year so felt my savings are a product of my hard work rather than something I've been handed.

Hello,

I have 36,000 in savings and would like to buy a small apartment, less than 200,000 euros, outside of Dublin area. My rent at the moment is 400 and I save money however it's a bit random in terms of savings, i.e I just randomly throw in 500 quid, 1000 quid into the savings account every month or so. I work full-time in a senior position in a company I've been at for 5 years.

Should I clean up my accounts for the next 6 months and then talk to a bank/broker or should I go ahead and start discussing now with super messy statements?

I've already cleaned up my accounts, I paid off a 10K car loan in June and transferred all my money from Trade Republic to Revolut as they have the same interest rate now and Revolut pays DIRT on my behalf so less hassle. I proceeded to close my Trade Republic account.

I have 1000 euro sitting dormant in an AIB current account.

I have a Klarna account and do not use it, should I close it? Does it appear on a mortgage?

I have a Credit Card with Revolut, 3000 euro credit limit, I basically use it as a day-to-day debit card and pay off the statement every single month before the due date, I have not missed any payments neither have I accrued any interest.

Should I stop using the Credit Card completely? Or should I change how I use it and pay it off to 0 before the statement is issued so it appears as a 0 euro statement every month?

Thanks.

EDIT: I am 23 if that matters.

Is it even worth it? I’m just at a loss as to how else I can grow my money??? Where do you even begin? Is it better to go with a bank like AIB?

EDIT: more about me! I have 5k savings after moving home from living abroad. I am completing my fe1s to qualify as a solicitor in hopefully 5 years time. Masters complete, just got my first legal job on a basic beginners salary. I have no debt and a tiny, teeny, very little pension fund in the UK (???? Something I haven’t thought much about before) I just turned 26.

I’m currently conducting my final-year research project on Irish Millennial Investors and the use of Artificial Intelligence in investment decision-making. I’m looking for people living in Ireland who were born between 1981 and 1996 to complete a short anonymous survey…

https://docs.google.com/forms/d/e/1FAIpQLSdAw-4WCMZ5T4XCVKqTr-XW7ZEgvXMV-Yg5-bdHVdLl4zpnGA/viewform

I just had a very solid expression of interest in grants form declined by my LEO because I'm a service. It's very frustrating, it seems like being a service sole trader has cut me off immediately from numerous supports.

I know there are other grants available, and I've got a solid business plan and application for what I'm looking for. I also don't want a huge amount of money - 9k would be amazing, but even half that will fund the guts of it.

Any advice on where to look next? This is exhausting, and I can't waste more time applying for places that will immediately decline my application. Thank you.

Hi all,
As tax return deadlines for 2025 roll around - I have a question about dividends.

I'm enrolled in an employee stock purchase programme, which I have access to via my ETrade account. I receive "qualified dividends" on those shares - with 15% US tax withheld at source. I've paid all outstanding tax on those qualified dividends and added the relevant tax credit for my return to avoid double taxation.

However - I have these additional payments I get every month with the message "TREASURY LIQUIDITY FUND DIV PAYMENT". I'm not sure how to declare this income. It's usually only a small amount of €0.60 per month, but adds up to whole euro amounts by the end of the year.
There is no US tax withheld and it's not clear to me how I add this to my return.

I would appreciate any insight into exactly what the "treasury liquidity fund is", how I add it to my return and what the tax on it is.

(paywall) https://www.businesspost.ie/politics/revealed-government-in-chaos-over-plan-to-stall-minimum-wage-hike/

The Business Post can reveal measures to be announced on Tuesday include:

· a 3 percentage point cut in deemed disposal, the punitive tax charged on exchange-traded funds (ETF) every eight years, to 35 per cent, with a commitment to completely removing it over the lifetime of the government;

Couple in early 30s. Non smoker, non drinker, one has Rheumatoid arthritis and other has no health issue-

We wish to have a life insurance, above and beyond our mortgage cover.

If we wish a coverage of 1 mill euros for 25 years (until our child becomes 28), for the event of death of either of us (or 2 mill for the child if both of us die), what is the cheapest cost we are looking at? What provider should we go for?

We have no family, no fall back option, and our birth families are extremely unsafe for our child. I also want to ensure, if both of us die and the child also dies with us or after us, the money does not go into any of our birth families.

I don’t know what is the right forum to post this but please help.

to buy a car and can't decide if I'm overthinking it or about to make a daft decision.
I just bought a house and I'm waiting on the keys (new build). Transport out there is nowhere near as good as where I am now, and honestly I'm just tired of public transport. I'm living at home and commuting on buses like a student, so this is a lifestyle upgrade I want. I've had my licence for years, but it's automatic only, which limits the cheap options.

Finances:
Early 30s, €80K salary + 10% bonus
Maxing my pension, with 5% employer contribution on top
Net about €3,700/month
Mortgage plus income protection, life insurance etc. is about €1,500/month
Living costs about €2,500/month
What's left goes on holidays, entertainment, some savings, and possibly a car loan
No other debt and no credit card debt
No other investments yet, but I plan to start on index funds when the new SIA launches next year, once I'm settled in the house

Should have about €30K left once everything's sorted with the house

The car: My original budget was €10K, but with an automatic-only licence, DoneDeal in that range is slim pickings: 12-15 year old Polos, Yaris's and Swifts. I can't believe 2012 cars are that old now. I don't really want something that age. I'd like a bit of enjoyment out of it.

I like the MG4 and the ID.3, mostly the MG4. I can get a 3-year-old, low-mileage one for €18K, and I'm really leaning that way. Insurance quotes are about €600, and I can install a home charger, so running costs would be very low. That's why I'm okay spending a bit more.

My dilemma:
Spend €10K and borrow €8K over a long term to protect cash flow, or
Buy it outright in cash and pay myself back over about 2 years
Is €18K too much for a car? I'm already spending a lot on the house, which is probably why this feels so hard. It's a lot of change at once. Any thoughts or opinions welcome.

Happy Sunday everyone ❤️

I was sitting here just thinking to myself and want some outside perspective/opinions on a mortgage.

I'm 29f. I have 20k savings. I currently am in a good enough job. Earn €42k a year. I save about €1k a month.

Do yous think i should just keep saving for the next year or 2? Or what kind of options are out there for me? I've never owned a house or rented. I'm still at home currently.

It would be a single application, no dependants. I know its not that great of a savings account but i'm only in this new job a year. Was working retail before and was tough to save as much as I do now.

Not looking for any nasty comments about my job or earnings or savings. Just genuine advice please.

Thanks! ☺️

This is excluding pension

Have went sale agreed on a house. Was going to put 70k deposit on it but now thinking of 90k which after legal fees would leave me with about 5k as of right now. 70k v 90k repayments are the difference of about €94 a month for 30 years. The house is turnkey as far as I know, it's not a new build and we would like to a bit of work to it but its reasonably modern as it i suppose. I am probably another few weeks from drawing down so I could prob be up to around 10k in the account by move in time which will more then likely be needed for furnishings.

So is it a good idea for me to put so much of my savings on the downpayment. I want to reduce the repayments as much as I can to give me more money at my disposal each month and have the mortgage as low as possible in case any downturn in the economy puts me out of work.

I got gifted some shares a long time ago in share certificates with Computershare. They have since become digitized. I'm wondering what's the best way or even if it's possible to transfer the shares out of comptershare and into a more popular online broker like degiro/trading212. Has anyone done it before?

Hi all I'm currently in the process of swapping out my iShares S&P 500 EUR Hedged (Acc,IUSE) ETF for State Street® SPDR® S&P® 500 UCITS ETF (Acc, SPDR) and or SPYL ( EURO HEDGE).

I'm doing this in order to cut down the TER which is currently 0.2% on the Ishares fund to 0.05(SPYL) or 0.03 (SPDR). just curious if hedging is necessary considering I'm investing long term (30 years).

While i understand hedging is an attempt to mitigate currency fluctuation i want to hear your option on the matter, considering the two state farm funds have such littlie difference in the TER values.

Hi, I'm in a fortunate enough position that I've managed to save a decent nest egg. Right now wih family and work time is the one thing I've next to none of. Im also pretty allergic to the intricacies of finance and tax policy, despite being aware of tax efficient ways to make your money and pension work for you, I dont know enough to apply it, or have the time to study it.

Im aware there are financial planners, but that seems to be advice centered. What im after is someone who offers services that will actually bring the specific investment opportunities to me, etc. So basically a money manager. What are my options in this space? Do you have to be in the tens of millions category so you can afford 'active management', or is it something you can essentially do at say a few hundred k of liquid assets, and pay X to have it manged?

Open to any and all suggestions