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Hi, I'm in the process of buying a house that I don't intend to live in for a number of years. The plan is to buy it, apply for planning (Revamp is needed) and let it out for a year or two before works begin on it. Is there anything I should be aware of from a legal point of view with regards to...

Looking to invest €100k for both my children's future school costs, €50k each. Ages are 7 and 2 so will be investing €50k each for 5 years and 10 years respectively. Would a post office account be the best option?

Hi all, we've recently seen this rate increase from 20% up to 33% over the last 6 years or so. With the economy making a bit of a turnaround is there any sign (or mention from the government) that this could be reduced in 2016?? Would be interested in peoples thoughts

The main point is that this currency swing of 28% can easily go the other way. Not many stocks will outperform that

No I recently purchased shares in Tullow via TD at a client settlement currency rate of 0.69559, rate when sold was 0.745 therefore even though the share price has risen, the gain has been lost on the exchange rate.

Another very important thing to consider is currency exchange rates, the recent strengthening of euro/sterling has eroded some gains in my UK shares

37, single, no kids, public sector job, saving 75% of your income. Go out and get your hole, you'll be a long time dead...........

Thanks jpd

Hi Just wondering about the CGT treatment of sold shares that have been bought at different times/prices. Eg: have purchased shares at €3.19, €3.21, €3.95 etc. If I were to sell half of my shareholding, at which price do I state my initial costs were in order to calculate CGT??

Thanks. So wrt to dividend witholding tax for US shares, where/when is it paid (IRS or our revenue)? Is it held back at source? I can't remember ever seeing anything about this when filing previous returns to revenue (Although I've never held US shares).

I didnt' realise they were interest only. Yep, playing with fire indeed....

Fair point, he is obviously on very low rates if he is making cash on these properties yet is in negative equity.

I assume the 100k isn't borrowed money

ALL STOCKS COME WITH RISK!! A couple of food based companies on the iseq have seen there share price double in the past year and a current oil producing share I own is up 30% in a month but this can swing the other way. Again I highly recommend that you read up a little bit on it, it isn't that...

Buy ten stocks of companies in different industry sectors at €10k each, you will be very well diversified then. Any of the above funds will give you diversification anyway however there are tax issues with selling funds that don't apply to shares/stocks. ETF's don't seem to be a very good idea...

ETFs wouldn't be as tax efficient as shares (when selling) but there are people far more qualified than me on this forum to advise you on those issues. WRT shares, costs become in issue when buying in smaller amounts as the commissions/stamp duty as a percentage is higher with respect to small...

They are all funds that you've listed. From your initial post I understood that you were interested in buying actual stocks which is a different thing and also has different (better) tax and cost implications

Thanks again lads, according to my accountant there are no limits to what I can put into my pension as it is an executive retirement plan/fund. That said I think the best course of action as you suggest is to take the tax hit and take the profits via salary/bonus and throw it off investment...

Have done, they said putting most of company profits into pension is the most tax efficient however unfortunately that doesn't help me in the short/medium term.