Which assets will be included in the new investment account?

Ireland's Finance Ministry has published a roadmap for a new account model aimed at making it easier for individual investors to access markets and make investments more tax-efficient. Under the framework, crypto assets and derivatives will be excluded, while more traditional investment instruments will be eligible for the structure.

According to the ministry's plan, the main products that can be held in the account will be:

  • Stocks
  • Bonds
  • Exchange-traded funds (ETFs)
  • Other investment funds

Why were crypto and derivatives left out?

In the roadmap, digital assets and derivatives were classified as complex and high-risk products because of their structure and risk profile. The decision showed that the Irish government's cautious approach to the crypto market is also reflected in the new tax incentive model.

When will the timetable and tax details be clarified?

According to the document, the new accounts are expected to be offered next year to investors resident in Ireland. However, no exact launch date has yet been announced.

The tax rate that will apply to the accounts, along with the tax-free threshold, will be set out in Budget 2027. That means investors will have to wait for the budget announcement to see the product's exact financial benefits.

What does the decision mean for markets and regulation?

Leaving crypto outside the new tax-advantaged framework makes clear that digital assets will not be among the retail investment products promoted in Ireland. Directing tax support toward stocks, bonds and funds could help shift retail investor flows toward traditional markets.

Ireland is also tightening crypto oversight

The decision comes as the country broadens its regulatory agenda for the crypto sector. The roadmap also showed that the government is working on reforms aimed at strengthening anti-money laundering rules for the industry.