Ireland has published a roadmap for tax-friendly Investment Accounts launching in 2027, open to Irish tax residents aged 18 or older with a Personal Public Service Number, with one account allowed per person through an approved provider. Eligible holdings will include listed shares, listed bonds, instruments traded on regulated markets, ETFs and some retail investment funds, while crypto assets and derivatives are excluded as highly complex and risky and will not receive the same tax treatment. Providers will calculate, report and pay any tax owed to the Revenue Commissioners, cutting paperwork for savers. There is no minimum contribution, but an annual contribution cap will apply; the tax-free threshold, flat tax rate and contribution limit will be set in Budget 2027, due on Oct. 6. Investments in the account will skip Ireland’s deemed-disposal rule, under which some funds are treated as sold after eight years. Cash deposits will not qualify as investments inside the account, though providers may hold cash temporarily for purchases, and holders may migrate between providers without tax consequences, with no mandatory retention periods or withdrawal restrictions. Tánaiste Simon Harris said Irish households save heavily but invest little; Central Bank data show only 2.3% of household financial assets in stocks and bonds versus an EU average of 7.5%, with roughly €170 billion in bank deposits and households keeping 38% of wealth in cash versus a 30% EU average. Crypto trading remains legal under EU MiCA rules overseen by the Central Bank of Ireland after Ireland’s transition ended in December 2025, and about 10% of the population had invested in crypto as of December. A June risk assessment rated digital assets a very high money-laundering and terrorism-financing risk, citing fraud, sanctions evasion and decentralized finance. The Finance Bill will set the legal framework, with possible further simplification and a lower investment tax rate from Budget 2028.