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@Savvy: Yes, those were the funds to which I was referring. I put “Vanguard” in brackets to indicate that the underlying funds were also from Vanguard. As you rightly point out, the difference between the “Standard Life Vanguard Global Stock Index Fund” and the “Standard Life Global Index 100...

I'm afraid I’m really not sure, but I'd be surprised if there was any way to avoid going through your present broker with Standard Life, so maybe your best bet would be to contact that broker and ask them for the best deal that they can offer. You should be able to get a 100% allocation rate on...

For anyone who has been implementing a simple index strategy via a Davy self-directed PRSA by purchasing Vanguard Global Stock Index Fund (ISIN IE00B03HD19) and either euro-hedged Vanguard Global Bond Index Fund or Vanguard Euro Government Bond Index Fund shares and rebalancing periodically...

Can a company director with a PRSA who retires early (not owing to ill health) and severs all relations to their company access their PRSA after the age of 50 but before the age of 60? (I understand the rules about having to transfer a certain amount to an AMRF in the absence of a guaranteed...

Thanks, Marc! But what about the issue of the low $60,000 estate tax threshold on US-situated assets for nonresident non-US citizens, above which taxes of from 18% to 40% apply? My understanding is that under the terms of the tax treaty between the US and Ireland, Revenue grants a tax credit...

Thanks, AAAContributer! I'd forgotten about these refund procedure complications that you highlight, which certainly make investing in individual foreign shares from multiple countries a much less attractive option. On the plus side, it seems like there are moves afoot to streamline the...

Suppose that a retiree with money to invest outside a tax-sheltered pension account, and who does not want to purchase either a UK investment trust (because of active management and high fees) or an ETF (because of the eight-year deemed disposal rule and possible estate-planning tax...

Thank you for your reply, Red Onion! It’s good to know that it’s technically possible. I was thinking in terms of purchasing a rental property and immediately transferring ownership, in which case, presumably, no CGT would be due, although stamp duty etc. would have to be paid twice. I’m aware...

I understand that a parent can transfer ownership of their principal private residence to an adult child while they are still alive, while retaining a life interest in the property (including the right to reside there), as a way of potentially reducing inheritance tax, since any capital...

Well, touché, perhaps, depending on what you mean by complex. It would be unreasonable to expect a financial advisor to implement a complex investment strategy inexpensively, but—in contrast, for example, to attempting to approximate a broad index by constructing a diversified portfolio of...

As some on this forum are aware, Americans living in Ireland find themselves in an investment Catch-22 as of January 2018. As US citizens they cannot purchase UCITS (European domiciled and regulated) ETFs—at least not outside of a pension account—because of the punitive US tax treatment of PFICs...

Is there anyone on this forum who has had either a positive or a negative experience buying and renting out purpose-built student accommodation as an investment (or who knows anyone else who has done so)? There doesn’t seem to be much information out there on this kind of investment apart from...

Thanks for bumping the post up with your question. See Brendan Burgess's helpful reply above.

Am I right in thinking that if an employer compensates an employee on an average salary via employer PRSA contributions instead of via salary with which to make employee PRSA contributions, they can benefit the employee by an additional 29 percent? For instance, they could pay € 10,000 into the...

I just received a response from an engineer to a request for a BER cert quote for a one-bedroom rental apartment to the effect that a BER was not required as the dwelling unit is under 40 m2. But according to the SEAI website, it is “stand alone buildings with a small useful floor area (<50m2)”...

I can't understand why they wouldn't, but according to this website anyway (and several brokers and providers I contacted), they don't: https://lion.ie/mortgage-protection-insurance/non-resident-life-insurance/

Fortunately, I don't think so. Apparently it's possible to obtain a waiver letter. But there didn't use to be a problem getting cover as a nonresident before some regulatory or compliance changes came into effect a while ago.

Thanks, Dave. I'd been considering that option.

Does anyone know whether it is possible for an Irish citizen currently living in the U.S. to obtain mortgage protection insurance on an Irish buy-to-let mortgage for an Irish property? It seems that most providers won’t cover nonresidents, and that for some reason even those that will won’t...

@RedOnion: By exit tax, do you mean exit tax on ETFs, or only on certain unit linked funds? According to page 2 of this Standard Life PDF, an exit tax credit is allowed against inheritance tax for Irish unit linked investment bonds, but not for UCITS ETFs: [broken link removed] Can you confirm...