24/09/2025
අයර්ලන්තයේ තියෙන ආයෝජන ක්රම මොනවද?
Ireland offers a wide range of investment methods depending on your goals (short-term growth, long-term wealth, retirement planning, or low-risk savings). Here’s an overview of the main options:
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🔹 1. Bank & Credit Union Savings
• Deposit accounts: Current accounts, demand savings, term deposits.
• Pros: Very safe (protected under the Deposit Guarantee Scheme up to €100,000 per person per bank).
• Cons: Very low returns, usually below inflation.
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🔹 2. Government Investments
• State Savings products (through An Post, backed by the Irish State).
• Savings Certificates, Bonds, Instalment Savings, Prize Bonds.
• Tax-free interest on some products.
• Pros: Very safe, government-backed.
• Cons: Limited returns, not flexible for early withdrawal.
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🔹 3. Stock Market & Shares
• Buy shares in Irish companies (listed on Euronext Dublin) or international companies via brokers (e.g. DEGIRO, Interactive Brokers, Irish banks).
• ETFs (Exchange-Traded Funds): Diversified funds that track stock indices (like S&P 500, Euro Stoxx 50).
• Pros: Potential for higher returns, global diversification possible.
• Cons: Market risk, subject to Capital Gains Tax (33% in Ireland).
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🔹 4. Mutual Funds & Unit Trusts
• Managed by investment companies (e.g. Irish Life, Zurich, Aviva).
• Pros: Professionally managed, accessible.
• Cons: Fees can eat into returns, taxable.
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🔹 5. Pension Investments
• Personal Retirement Savings Accounts (PRSA), occupational pensions, or private pensions.
• Contributions are tax-deductible.
• Pros: Big tax advantages, long-term growth.
• Cons: Money is locked in until retirement age.
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🔹 6. Property
• Buying residential or commercial property.
• Rental income subject to income tax; capital gains on sale taxed at 33%.
• Pros: Tangible asset, rental income, long-term appreciation.
• Cons: Large upfront cost, ongoing taxes & maintenance, property market risks.
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🔹 7. Alternative Investments
• Gold, silver, commodities (via ETFs or brokers).
• Peer-to-peer lending platforms (e.g. Linked Finance in Ireland).
• Cryptocurrency (Bitcoin, Ethereum, etc. – highly volatile, taxable under CGT).
• Venture capital / angel investing in startups.
• Pros: Potential high rewards, diversification.
• Cons: High risk, less regulation.
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🔹 8. Green & Ethical Investments
• ESG (Environmental, Social, Governance) funds.
• Green bonds or funds focused on renewable energy.
• Growing sector in Ireland and EU.
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✅ Key Taxes to Keep in Mind in Ireland
• Capital Gains Tax (CGT): 33% on profits from shares, property, crypto.
• Deposit Interest Retention Tax (DIRT): 33% on savings interest.
• Exit Tax: 41% on life assurance policies & investment funds (certain ones).
• Stamp Duty: On property (1–2% for residential, higher for commercial).
#අයර්ලන්තය #අයර්ලන්තයේමම #රටයන්නඉන්නඅය #අයර්ලන්තයේඅපි
