What does deemed disposal cost you?
Ireland taxes ETFs every 8 years whether you sell or not. Set your numbers to see the deemed disposal events, the exit tax paid, and how much that early taxation costs you in lost compounding.
Over 24 years you'd hit 2 deemed disposals (every 8 years), paying €16,937 in exit tax along the way. Because that tax leaves the portfolio early, you end with about €2,156 less than if the same gain were taxed only once at the end (€55,977). That gap is the real cost of deemed disposal.
Illustrative only. Assumes tax is paid from the portfolio and a flat return; ignores fees and any rate changes. Irish pensions are exempt from deemed disposal. Not tax advice, so check the current rate and your own position. See our deemed disposal guide.
New to the rules? Read Irish deemed disposal explained. Pensions are exempt, and brokers with strong reporting make the admin easier, compare them on Brokerlens.