Investing from Ireland
Financial planning for US citizens moving to or living in Ireland in 2026
Wealth has changed for U.S. Expats in Ireland
Are you a U.S. citizen living in Ireland? If you are still using tax strategies from 2024 or 2025, you are likely leaving money on the table—or walking into a compliance minefield.
The fiscal landscape has shifted tectonically. The collision of the United States' new One Big Beautiful Bill Act (OBBBA) and Ireland’s Budget 2026 has created a confusing new reality of conflicting tax rates, novel deductions, and dangerous investment traps.
We have digested thousands of pages of new legislation to bring you the definitive guide: “Investing from Ireland - Financial planning for US citizens moving to or living in Ireland in 2026”.
Why You Need This Report Now
Standard financial advice doesn't work for you. An Irish accountant might tell you to buy an ETF; a U.S. accountant might tell you to open a Roth IRA. Doing either without cross-border analysis could be a financial disaster.
This 2026 Edition of “Investing from Ireland” cuts through the noise to answer the critical questions keeping expats up at night:
🇺🇸 The "Senior Deduction" Windfall: How retirees in Ireland can use the new $6,000 U.S. deduction to virtually eliminate tax on their pension income.
🇮🇪 The 38% Irish Exit Tax: Ireland lowered the tax on funds to 38%, but the "Deemed Disposal" rule remains. Is it finally safe to invest in Irish ETFs? (Spoiler: The answer is likely still no, and we explain why).
👶 "Trump Accounts" for Expat Kids: A new tax-advantaged savings vehicle is here. Can you open one from Dublin? Does Ireland recognize it? We have the strategy.
🛑 The "No Tax on Tips" Trap: Why the headline-grabbing U.S. tax breaks for tips and overtime likely don't apply to you—and the smarter exclusion you should be using instead.
📉 Regulatory Arbitrage: How to legally exploit the widening gap between U.S. and Irish tax rates to protect your wealth.
What’s Inside?
The 2026 Breakeven Analysis: Foreign Earned Income Exclusion (FEIE) vs. Foreign Tax Credit (FTC)—the math has changed. We show you which one wins this year.
Pension Pitfalls: Navigating the complex intersection of U.S. contribution limits ($24,500) and the new Irish Standard Fund Threshold (€2.2M).
Estate Tax Alarms: The massive gap between the $15M U.S. exemption and the €400k Irish threshold. Learn how to use the "Small Gift Exemption" to transfer wealth tax-free.
PFIC Defense: The "Toxic Intersection" of U.S. PFIC rules and Irish taxation is deadlier than ever. We outline the only safe investment structures left.
Don't Let Double Taxation Erode Your Future
Compliance is mandatory, but poverty is optional. The difference between a "compliant" strategy and an "optimized" strategy can be measured in tens of thousands of Euros over a lifetime.
Your AI Personal Tax Research Assistant has arrived!
Introducing the Interactive Companion to the "Financial planning for US citizens moving to or living in Ireland in 2026" report.
Reading about cross-border taxation is one thing. Interacting with it is a game-changer.
We have taken the exhaustive research from our 2026 Report and loaded it into NotebookLM, Google’s cutting-edge AI-powered research tool. This isn't just a document viewer—it's a living, breathing financial assistant trained specifically on the intersection of U.S. and Irish tax law.
Why Use the NotebookLM Companion?
1. Ask Specific Questions, Get Instant Answers: Don't want to wade through 50 pages to find the section on Roth IRAs? Just ask.
"How does the new $6,000 Senior Deduction affect my Irish tax bill?"
"Can I use the Foreign Tax Credit if I have a Trump Account?"
"Explain the 'Toxic Intersection' of PFICs and Irish deemed disposal in simple terms."
The AI parses our expert research and the authoritative sources cited in the report to give you a precise, citation-backed answer in seconds.
2. Complexity Synthesized into Slides: We know visual learning is powerful. The notebook includes custom slide decks that break down the most headache-inducing concepts into clear, step-by-step visuals.
The Flowchart: FEIE vs. FTC – Which one wins in 2026?
The Timeline: Managing the 8-Year Deemed Disposal Cycle.
The Trap: Identifying PFICs in your portfolio.
3. Audio Overview for Podcast Lovers: Too busy to read? We have generated a stunningly realistic Audio Overview. Listen to two AI hosts discuss the report's key findings, debate the pros and cons of the "Senior Deduction," and explain the new "Trump Accounts" as if you were listening to your favorite financial podcast during your morning commute.
From Information to Insight
The 2026 fiscal landscape is too dynamic for static text alone. With the NotebookLM Companion, you don't just own the report—you have an AI Research Assistant dedicated to helping you navigate it.