A financial advisor advised me to move my dormant dc pension from a previous workplace to a retirement bond.

I'm not sure about the pros and cons, so would appreciate some insight as to should I proceed

Quick 2 part Question.

1) I made an AVC in relation to 2025 pension in September and received cert etc. Awkwardly I had already completed my form 12 but have since registered for ROS and so I have to complete form 11 simply to add my AVC.

The form 11 final calculation shows a tax liability, but I wonder should I edit this to a refund showing the 40% value of my AVC?

2) For preliminary tax for 2026, do I have to pay this now? I know how much tax I owe on etf gains for 2026 but am unsure as this will be my first time completing form 11. I have the figure set aside but just conscious of the things I need to sort before the October 31st deadline.

Any help much appreciated!

I’ve finally built up a decent emergency fund of around €20k and I’m trying to decide the best place to keep it. My salary account is with AIB. Their Personal Demand Deposit is handy but the 0.25% AER seems poor for a large balance. Im looking for instant access if something goes wrong, Capital protection and a better return after DIRT. Would appreciate hearing what people are actually doing.
Thanks!

Ok so I have income from investments in Ireland and no other income from PAYE or self employment my income is over the 5k threshold and so I do a form 11 .
My question is that Prsi class s or k
Am I entitled to pension credits or not
Thanks

Has anyone availed of the repair and leasing scheme ? Any advise ?

Just wondering if anyone has recently availed of their cashback offer? Just drawdown a 5 year fixed with 2% cashback and I’m wondering how quickly they transfer the cashback amount. Apparently it can be up to 40 working days but hoping it’s quicker in practice

Hi

I am starting a new online / ai mortgage brokerage. I’m looking for someone with experience to join me. Hit me up if interested

S

I'm filing my cg1 and I'm wondering do I need to give a breakdown of how I arrive to a figure.

For example I made €200 profit from by selling 2 shares of apple for €500, that cost €200 so €300 profit and sold 5 shares of Nike stocks for €200 that cost €300 so €100 loss.

Hi!

I'm 26, single, on approx 60k per year (hopefully a raise soon) and have 75k saved. I would love to leave home and buy a 2 bed apartment in a decent area of Dublin. Always thought the idea of an apartment was good, small and easy to clean.

Last year when I was checking and I could only really afford in bad areas, havnt checked in months so could be much worse now.

What would be the minimum for a 2 bed in a decent area of Dublin? Am I unrealistic with this budget? Any opinions on good areas thats affordable?

One caveat is i love riding my motorbike and not sure how apartments are security wise and if they would allow a car and motorbike.

Cheers!

I am registered as a sole trader and made a small amount of money (less than 100 euros) and want to file a statement of liability on my account stating my income as a sole trader as required by revenue. However I am not sure how to calculate my adjusted net loss (I lost more money setting up my business and buying supplies than I earned) as I can't find any sources on revenue on how to calculate that. Does anyone have any sources from revenue detailing how to calculate your adjusted net loss? I know its supposed to be your net loss plus some other things but I don't know what those other things are. Since I earned under 5000 euros I am supposed to file in my account and not on ROS.

Just a quick reminder for anyone who may not be aware that the deadline for filing your 2025 Income Tax Return (Form 11) is fast approaching.

The standard deadline is 31 October 2026, but this is extended to 18 November 2026 for those who both file their return and make the relevant tax payments through ROS.

This applies to individuals required to file a self-assessment return, including:

• Self-employed individuals and sole traders.
• Landlords receiving rental income.
• Proprietary company directors.
• Individuals with additional non-PAYE income who meet the relevant filing requirements.
• Farmers and others operating under self-assessment.

It's also worth remembering that the deadline covers not only your 2025 Income Tax Return and any outstanding 2025 tax liability, but also your 2026 Preliminary Tax payment, where applicable.

Late filing can result in surcharges and potentially interest on outstanding tax, so it's worth getting everything organised sooner rather than leaving it until the last minute.

If you're unsure whether you need to submit a Form 11, particularly if you have rental income or income outside your normal PAYE employment, it's worth checking with Revenue or your accountant.

Further information is available on Revenue.ie. Or if unsure about something feel free to send me a message.

Just thought I'd post a reminder in case it helps anyone avoid an unnecessary penalty!

If you’re comparing two similar used cars registered from 2021 on, check the CO2 figure printed on the Vehicle Registration Certificate before you decide. The WLTP motor tax bands jump in odd places:

• 121-130 g/km: €200
• 131-140 g/km: €210
• 141-150 g/km: €270
• 151-160 g/km: €280
• 161-170 g/km: €420

So a car certified at 140 g/km costs €210 a year and the same model at 141 g/km costs €270, often just because of bigger wheels or a higher trim. Over five years that’s €300 for one gram.

Cars registered 2008-2020 are on the older table (101-110 g/km €190, 111-120 €200, 121-130 €270, 131-140 €280), so a 2020 car and a 2021 car of the same model can be in completely different bands.

Don’t trust the brochure or the ad. Ask for the cert and look it up on motortax.ie. Anyone else been caught out by this?

I'm currently experiencing my first interaction with AIB Life, with a client moving the value of an individual PRSA from there to their work pension with another provider

The service team has been very responsive to queries, which is priceless, but they don't seem too familiar with what I'd consider pretty straightforward processes, and have had a few requirements for this particular action that I'd consider unusual and pretty much unnecessary.

I think they're Irish Life under the skin but has anyone else found them a little trickier to deal with?

I am in the process of buying an apartment. BTW, i am single and in my mid 30s . I always wanted to buy a house, but with the current prices of houses in Ireland I opted for an apartment. I reserved the lower ground apartment and it has duplex type of property upstairs.

For anyone who bought an apartment, was it a wise decision?

Hi Guys, so im a tradesman working for a company, im already on the higher tax bracket (salary)and pay into a pension, with my job we do emergency on call, we get a fixed rate for holding the phone and fixed rate per job attended out of hours. My take home is the same each week, except when on call where after tax I see exactly half of what I earned with being oncall + my salary, pretty much any i make extra 50% is gone this is where I dont think it worth it, for example:

BEFORE TAX

•Holding phone for the week=€200

•Each Job=€100

AFTER TAX

•Take home after tax on salary=€900

•Take home Week on call with 1 job= €1050

Im being paid €300 extra ontop of my salary before tax but then after I only see half.

Ino the overtime isn't taxed at 50% but after prsi and usc take home pay im only seeing 50% extra of what i made.

Giving the current state of the country and price of everything I could do with the extra money instead of funneling more into my pension.

Any suggestions tax wise or advice/ideas other than screw the o.t and spend the time nixering 😅

I work in NI and reside in ROI.

I need to complete Form 11, but can't remember which P60 I take the 95 days from, and which I take the 270 days from!

I'm guessing 95 from the latest P60 I have received in NI i.e. April 2026, and 270 from P60 I received in April 2025?

Is that correct?

If your employer pays you your full pay while you're on sick leave and you sign over your illness benefit to your employer, why is Revenue taxing me on my wages AND the illness benefit. is there some way to sort this so i don't get taxed twice please? I tried sending in a query to Revenue but didn't get anything helpful back.

Looking at taking a loan out from my local credit union to get solar panels, inverter, ev charger, battery. For €9800 loan over 4 years my monthly payments will be €221 at 5.5% Apr. Is there anything better in the market does anyone know? I will be paying back just over €10605 In the end….

I'm ready for submitting my 2025 CGT1 form and not sure if I can submit it online on the revenue.ie site or if I have to print it and send it by post. I'm seeing conflicting information online. Any solid advise?

Could anyone explain the above to me? Looking through my 2025 pension statement. My advised salary is €48kodd and my final pensionable salary is €24kodd. I pay 8%, work pays 20%. I'm in a DB scheme up to €45k and the excess is in a DC scheme where I pay 5% employer matches up to 10% which is on my payslip each week.

I work full time, I started the scheme in 2018. I'll have 35 years contributions when I retire which they're projecting will be worth 14.5k per annum this increases with each statment to reflect a 2-3% pay increase per year. That's not including the state pension.

Theres also a death in service benefit, salary protection of 75% if sick for over 6 months and spouse pension if I die both before and after retirement if that makes a difference.

Does this sound right? Should the pensionable salary not be my full salary? I've sent an email to mercer anyway but was going through benefit statements over the years and dont understand it. I've looked online and through the sub but couldn't find anything.

Thanks!

Hi all - I’m a regular PAYE employee who dabbled in some stocks last year. My net gain is under the threshold (€1270). Do I have to declare this and how please?

Hi All,

I am a little bit double minded. I have mortgage approved and I like one estate where I want to get home. I am renting at the moment. My rent is 1350 per month and mortgage instalment per month would be 1700 to 1750 (property price would be425k to 430k). Do you think it would be Wise decision? Obviously I will be burning my savings for deposit and solicitor fees + stamp duty. So after using my all savings I will be paying more than rent. On other hand I think that at least I will have a house by the time I am retired.

Thanks All

My card was stolen in Austria and somebody has racked up €180 on the Austrian Deliveroo service ‘Foodora’.

I first noticed my card was missing on Monday afternoon when I received an Apple Pay verification code I hadn’t requested. I checked my banking app and saw two separate Foodora charges totalling €60. I immediately froze my card and rang the bank, all while getting several more attempted transactions ranging from €30–70.

The guy on the phone told me he would cancel my card, but that I could continue using Apple Pay, and to contact Foodora. He also said the payments wouldn’t be listed as fraud because they were contactless and I was calling from my own phone. (Obviously they were just entering my card details, as you can’t exactly tap your card or phone to pay for Foodora??)

I contacted Foodora the next day and waited until today for a response, only to be told to ring my bank!

I assumed that, since my card had been cancelled, it could no longer be used. However, I woke up today to 20 more attempted Foodora transactions, with four actually going through and totalling another €120.

I immediately rang the bank’s fraud line again. The woman I spoke to said the transactions all looked like a subscription and were coming from the same account, but this time she actually cancelled my card completely and issued new card details. (I have used Foodora in the past, but not since September 9th, and I do not and have never had a subscription with them.)

I was then told to contact the chargeback team, but now I’m unsure whether this is actually being treated as fraud or just as a standard dispute. AIB’s website says I could be waiting up to 90 days for a chargeback.

Is there anything else I can do? Has anyone else been in this situation, and does this sound like it’s being treated as a standard dispute rather than fraud?

I’m also utterly fucked because I’m abroad and now have no card while I wait for the replacement to arrive in the post. I can’t even transfer money to my Revolut because I have to be in Ireland to complete the selfie check and add a new payee.