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  • Registered Users Posts: 519 ✭✭✭ Helpneeded86

    Lets say i invest in a stock fund of some sort and it yields a return of maybe 8% per annum. I invest 10,000 and after 20 years it is worth €46609.

    Now lets say inflation is 5% that means we need €26532 to make it worth the €10000 in real terms.

    But do we not pay a CGT of 33% on €33609 which is €11000.

    This leaves us with a real gain of €25000 or €35000 total.

    Considering we need €26000 to meet the same level as 2012. Our profit will be €9000 which in 2012 terms would be like €3000 taking inflation into it.

    Are my figures roughly correct and that in real terms our gain over the 20 years will end up been about 30%. I could be a million miles off with any of that but id be interested to know.