Simple taxes with Finax
Finax designs its services to operate within the tax rules applicable in each jurisdiction. Where available, investment structures may allow clients to benefit from tax features provided under local legislation.
The tax regime depends on each client's individual circumstances and may change in the future.
We adapt services to each country
Tax considerations
We take the stress out of tax season. Finax provides you with all the necessary documents, statements, and overview data you need to easily fulfill your local tax obligations.
Saving time
Finax provides clients with access to account information and documentation through its platform to support record-keeping and tax reporting where required.
Age-Based Tax Relief
For the European Pension (PEPP), personal contributions may qualify for income tax relief in Ireland, subject to the applicable age-related percentage limits and an earnings cap of €115,000, in accordance with Irish pension tax rules and Revenue guidance. The availability and value of tax relief depend on the individual’s personal circumstancesWe will take care of your investments
Investment portfolios may include UCITS exchange-traded funds (ETFs) that reinvest dividends. The tax treatment of such investments depends on the applicable Irish tax rules.
Finax periodically rebalances portfolios to maintain the selected investment strategy and risk profile.
When withdrawals are requested, the relevant investments may be sold and clients are provided with information that may assist with tax reporting obligations.
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Frequently asked questions about taxes
Investments in certain funds and Etfs may fall under the Irish Exit Tax regime, where tax may be payable at specific events such as a withdrawal or other chargeable events defined under Irish tax legislation.
The applicable tax rate and rules are determined by Irish law and may change in the future.
The applicable tax rate and rules are determined by Irish law and may change in the future.
Finax provides account information and documentation through its platform to support clients with record-keeping and tax reporting where required. Clients remain responsible for meeting their own tax obligations. The information above is intended for Irish tax residents. Tax treatment may differ for individuals who are tax resident in another country. The tax treatment of investments depends on the applicable legislation and the individual’s personal circumstances and may change in the future.
Finax does not provide tax advice. Clients should consider seeking independent professional advice where appropriate.
Finax does not provide tax advice. Clients should consider seeking independent professional advice where appropriate.
You can claim income tax relief on your PEPP contributions at your highest marginal rate(either 20% or 40%). This effectively reduces the "net cost" of your investment:
Higher Rate Taxpayer (40%): A €1,000 investment only costs you €600 out-of-pocket.
Standard Rate Taxpayer (20%): A €1,000 investment costs you €800 out-of-pocket
The amount you can contribute tax-efficiently is capped by your age and an annual earnings limit of €115,000
o Age Group
Max Relief Limit (% of Income) by age group:
o Under 30 - 15%
o 30 – 39 - 20%
o 40 – 49 - 25%
o 50 – 54 - 30%
o 55 – 59 - 35%
o 60 or over - 40%
Unlike regular investments, which are subject to a 38% Exit Tax (as of Jan 1, 2026) and a mandatory "deemed disposal" tax every 8 years, a PEPP grows entirely tax-free.
At retirement you can withdraw 25% of your total fund value as a tax-free lump sum, up to a lifetime limit of €200,000.
How much do I save on taxes compared to mutual funds?
While direct shares are taxed at 33% (CGT), they often trigger immediate tax on every dividend payment. By contrast, our ETF portfolios allow your entire gain to stay invested and compound.
Higher Rate Taxpayer (40%): A €1,000 investment only costs you €600 out-of-pocket.
Standard Rate Taxpayer (20%): A €1,000 investment costs you €800 out-of-pocket
The amount you can contribute tax-efficiently is capped by your age and an annual earnings limit of €115,000
o Age Group
Max Relief Limit (% of Income) by age group:
o Under 30 - 15%
o 30 – 39 - 20%
o 40 – 49 - 25%
o 50 – 54 - 30%
o 55 – 59 - 35%
o 60 or over - 40%
Unlike regular investments, which are subject to a 38% Exit Tax (as of Jan 1, 2026) and a mandatory "deemed disposal" tax every 8 years, a PEPP grows entirely tax-free.
At retirement you can withdraw 25% of your total fund value as a tax-free lump sum, up to a lifetime limit of €200,000.
How much do I save on taxes compared to mutual funds?
While direct shares are taxed at 33% (CGT), they often trigger immediate tax on every dividend payment. By contrast, our ETF portfolios allow your entire gain to stay invested and compound.
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