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@gardenlady I believe you can also max out the previous years pension contributions if you haven't done so already, definitely worth looking into.

@craigb44 There are ways to get access to the pension at age 50: https://nationalpensionhelpline.ie/pension-advice/can-i-cash-in-my-pension-early/

@padi With TR you have instant access to the cash. With raisin you are locking the cash away for a fixed term which could be between 3 months and 3 years. If you have a small chunk of money you for sure know you won’t need for a year then you can of course lock it into raisin. Current rate...

@craigb44 Trade republic in a new enough. The main thing is that they are covered with the Eu deposit guarantee up to 100k. Light year is just 20k. Also the interest rates change based on ecb interest rates so it’s variable. Bunq (similar to Revolut) and Lightyear (great new trading platform)...

@craigb44 I'd advise: - Maxing out pension 100% (as this is essentially a tax free investment bucket). - Putting together a spread sheet for your ETF purchases. - Next year you're going to hit the deemed disposal rule and you'll have to pay 41% exit tax on gains. - Any liquid cash (emergency...

@bbonilla2 DEGIRO guarantees up to €20k of stocks, IBKR is up to €500k (also Lloyds bank insurance covers up to $30m). IBKR is cheaper than DEGIRO when investments are more than 2k. Other DEGIRO is cheaper. Also DEGIRO has a list of commission free ETFs. I would start with DEGIRO and when you...