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Tax and investments

  • 10-04-2024 11:03am
    Registered Users Posts: 512 ✭✭✭

    What's the most tax efficient way of investing long term?

    For example, investing a set amount each month/year with the objective of accessing it in approx 20 years time.

    Considering monthly purchase of indexed funds/ETFs or payroll input to AVC but trying compare tax implications.


  • Registered Users Posts: 1,664 ✭✭✭marathonic

    Pension contributions without any shadow of a doubt if you aren't already maxing your contributions and don't need access until whatever age your scheme permits access.

    Be careful of ETF's and deemed disposal tax rules.

  • Registered Users Posts: 512 ✭✭✭Frozen Veg

    Thank you.

    In addition to setting up an AVC, I am considering a one off lump sum investment in indexes or ETFs (approx €10k).

    Is there any way of avoiding having to make annual tax declarations and payments? Is there any difference between indexed funds and ETFs in that regard.

    I have no issue paying tax when the investments are cashed out, but I want to avoid having to administer tax returns and amounts annually if that is possible.

  • Registered Users Posts: 7,002 ✭✭✭Wossack

    I’m looking into similar myself. Consider an accumulating ETF instead of a divesting one so you don’t have to deal with dividend income. Unless there’s something else (I’m no expert !) I think it should be hands off, bar the deemed disposal every 8 years