I read on a lot of other forums american ones and uk ones they talk of 401k's and ISA's were as we have literally no incentive here , you pay tax on your earnings then again on your savings and investments , Ireland is a cruel country to live in they just milk you with taxes.
Re bonds - it's just government bonds or corporate bonds as far as I see it it's just your investment in bonds is basically a loan to governments or big corporations , I bought European government bonds 1-3 year and 5-7year there is little volatility in them but low interest , you can go for junk bonds which are higher yield but more risk , think bonds just sure up your portfolio .
My shares are up 4k now since august I wonder should I cash out and make use of the yearly tax free allowance and rebuy, that's another one I'm thinking about .
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