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A new way to invest, expected from 1 July 2027: a €50,000 tax-free threshold, a 1% annual tax above it and up to €12,000 a year. A senior advisor shows you how it fits beside your pension and savings.
Register your interest in two minutes. Your advisor is in touch with how the account fits your plan, and again when providers publish their terms.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
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Budget 2027 confirmed a new Investment Account for personal investors, which we call the Personal Investment Account. It is expected to open on 1 July 2027. Inside it, the current tax rules for funds and investment policies do not apply. Instead there is one flat tax of 1% a year on the value above €50,000.
The provider works out the tax, reports it and pays it to Revenue, so you have no tax return to file for the account. The eight-year deemed disposal rule does not apply inside it.
The detailed rules await Finance (No. 2) Bill 2026 and each provider's terms. These are the figures the Department of Finance published on Budget day.
| Feature | What Budget 2027 confirmed |
|---|---|
| Opening date | Expected 1 July 2027, launched by providers |
| Who can open one | Irish resident individuals aged 18 and over with a PPSN |
| Tax-free threshold | €50,000 |
| Tax above the threshold | 1% a year, worked out on the average of the daily values |
| Annual contribution limit | €12,000, with no minimum |
| Accounts per person | One at launch |
| What it can hold | Shares, bonds, investment funds and insurance-based investment products |
| Who can provide it | MiFID-authorised firms, regulated fund managers and insurance companies |
| Deemed disposal | Does not apply inside the account |
| Tax reporting and payment | Handled by the provider |
The account is built for money you want to grow over years, not weeks. It suits people with savings on deposit earning little, people who already use their pension relief and want to invest more, and parents and grandparents building a fund in their own name for a family goal.
Each person can hold one account, so a couple can hold two: up to €24,000 a year between them, with €100,000 inside the two tax-free thresholds. It does not suit money you may need soon. Keep an emergency fund in cash first.
For most people a pension still comes first. Personal contributions get income tax relief at up to 40%, the fund grows with no tax, and part of it can be taken tax-free at retirement. Nothing announced for the Investment Account gives relief on what you pay in.
What it gives instead is a second pot outside the pension with a low, predictable tax. Used together, the pension funds your retirement and the account builds money outside it for other goals. Your plan sets the amount for each.
| Feature | Pension | Investment Account |
|---|---|---|
| Tax relief on what you pay in | Yes, at 20% or 40% within age-related limits | None announced |
| Tax on growth | None while invested | 1% a year on the value above €50,000 |
| Yearly limit | 15% to 40% of earnings by age, on earnings up to €115,000 | €12,000 |
| Access | From 60 in most cases, from 50 in some | Set by the Finance Bill and provider terms |
Moving existing investments into the account has not been confirmed. Do not cash in or move anything because of the account until the rules are published.
Keep enough on deposit for emergencies and near-term spending before you invest.
If you have relief left at 40%, that usually comes first.
Up to €12,000 each. We work out what fits your plan.
Complete the form. When providers publish their terms we compare them, and your advisor is in touch before the account opens.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
It is expected to open on 1 July 2027, launched by providers. The Department of Finance says the further details will be set out in Finance (No. 2) Bill 2026.
The 1% applies only to the value above €50,000, worked out on the average of the account's daily values. An account averaging €80,000 over a year would pay 1% of €30,000, which is €300. An account under €50,000 pays nothing. These figures are illustrative.
At launch the account can hold shares, bonds, investment funds and insurance-based investment products. We advise on the funds and insurance-based investment products offered through the account by the regulated providers we compare.
This has not been confirmed. Do not sell or move existing investments because of the account until the Finance Bill and provider terms are published.
No. Pension contributions still get income tax relief and nothing announced for the account does. For most people the account sits beside a pension, not instead of it.
Yes. Each eligible person can hold one account at launch, so a couple can hold two, each with its own €12,000 limit and €50,000 threshold.
Providers may charge a fee to manage it. We compare the charges when providers publish their terms.
Budget 2027 also cuts the tax on Irish investment funds and life assurance investment policies from 38% to 35%, and cuts Capital Gains Tax from 33% to 31% for disposals on or after 7 October 2026.
Checked 7 October 2026. The detailed rules await Finance (No. 2) Bill 2026 and provider terms.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: Past performance is not a reliable guide to future performance.
Register your interest in two minutes, and a senior advisor is in touch with how the account fits your plan.