Investment Account (IA)

Looking for an easy way to invest? An Investment Account is simple, accessible, and tax-efficient.

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Investment Provider
Excellence Award1

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Pension Provider
Excellence Award1

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Fund Management Company
of the Year2

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Pension and Life Assurance
Company of the Year3

How is the Investment Account expected to work?

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Savings 

What is it?

  • • It’s a new savings plan, which is being introduced by the Irish Government on 1st July, 2027.
  • • You can invest your money in a wide range of funds, from an award winning investment manager1.
  • • You’ll have control over your investments and can choose the level of risk you’re comfortable with.
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Simplicity

How does it work?

  • • There’s an annual limit of €12,000 you can invest each year per person. You won’t be allowed to invest more than that. 
  • • If you and a partner both want to open an account, that effectively allows you €24,000 between you.
  • • There’s also a tax-free value limit of €50,000. There’s no tax paid when your fund is below this value.
  • • The rules are simpler than some other types of investment. Don’t worry about handling the taxes yourself. Approved providers will calculate the tax, report it, and make the payment to Revenue for you.
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Accessibility

Who is it for?

The Personal Investment Account is designed for nearly everyone. The rules are:

  • • Irish residents, aged over 18, must have a PPS number.
  • • One per person only.
  • • Children or companies can’t take one out.

Investment Account expected benefits

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Simple taxation
 Providers will calculate and administer tax on behalf of investors.

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Tax-free threshold
 Accounts will include a tax-free threshold of €50,000 and returns below that threshold will not be taxed.

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Reduced complexity
 Long-term investing will be made more attractive and easier to understand.


Zurich Prisma Funds - annualised investment performance 2013-2026₄

Whether you're building wealth, planning for future goals, or looking beyond cash savings, Zurich has a solid history of providing consistent, long-term fund performance you can rely on4.

Do you want to learn more about IA?

Video

IA: How will it work?

Article

IA: What are the benefits?

Ireland's new Investment Account (IA) is moving from policy announcement to a tangible savings and investment initiative. Designed to encourage people to move money out of low-interest deposit accounts and into long-term investments, the scheme aims to help savers build wealth while fostering a stronger investment culture across Ireland. 
Read our guide to IA


A trusted partner

As one of Ireland's leading life and pensions providers, Zurich combines investment expertise, trusted guidance and a range of investment solutions to help you make the most of the opportunities offered by an Investment Account.

40+

Years protecting what matters

€52.3 billion

Funds under management₅

Awards

Pension & investment performance₁

Frequently asked questions

How is an Investment Account taxed?

The Government has confirmed details on the Investment Account.

  • There’ll be a tax-free threshold of €50,000. Below this level, you won’t have to pay any tax.
  • For account values above the threshold, an annual 1% flat-rate tax will apply. This is only payable on amounts above the tax-free threshold of €50,000. So, if your Investment Account is valued at €55,000, tax is payable at 1% on €5,000 (€55,000 - €50,000), equating to just €50.
  • No deemed disposal. This is great news – it means you won’t have to worry about the eight-year deemed disposal tax that many investment funds currently deal with.
  • The 1% Insurance levy will also not apply to Investment Accounts.
  • No hassle for you. The provider will handle all the tax admin, so you won’t need to calculate, report, or pay tax yourself.

Are there contribution limits?

Yes. The Government has confirmed that an annual contribution limit of €12,000 will apply to Investment Accounts. How you decide to pay into the Investment Account is up to you. You could make a lump sum payment of up to €12,000, or if you preferred, you could set it up as a regular monthly contribution such as €500 or €1,000 per month. But remember, the maximum you can pay in a tax year is €12,000.

If you want to invest more within a tax year, Zurich has other solutions that can be used alongside the Investment Account. A financial advisor can help you find the right approach.

Is it risky?

If you open a savings account with Zurich, you’ll be investing your money into one or more funds. Each fund is unique and made up of a mix of different assets. The aim of these funds is to grow in value over time, giving your savings the potential to grow too.

But it’s important to understand that investing always comes with a certain level of risk. These funds can increase in value, but they can also decrease. This means you could end up with less money than you put in – and in some rare cases, you could lose all of your money. Knowing these potential risks upfront helps you make an informed decision.

Zurich offers a wide selection of funds, designed to match different levels of risk appetite. Whether you’re someone who’s comfortable with higher risk, aiming for potentially larger returns, or you’d prefer a lower risk fund that’s more predictable, we’ve got options to suit your needs. Here’s how it works:

  • Higher risk funds might bring you higher rewards, but the value can be more unpredictable and could drop significantly.
  • Lower risk funds tend to be steadier in performance. While the returns may be smaller, they’re also less volatile.

This is why it’s vital to take the time to assess your own level of risk tolerance. Think about what’s more important to you: the chance of higher growth or the security of a steadier return. Knowing where you stand will help you make the right investment choices.

Whatever your preference, our team is here to guide you and help you find the fund that’s right for you. After all, your comfort and confidence in your investment are what matter most to us

Can I transfer my IA to a different provider?

Yes. You will be able to move your Investment Account to a different provider, but you will only be able to hold one account at a time. So you cannot take out separate accounts each year, so making the right decision at the outset is a good idea.

Can I access my money?

Yes, you can access your money whenever you need to with an Investment Account – there’s no lock-in period. But keep in mind, investments can go up and down in value. So, when you withdraw money, it might be worth more or less than what you first put in. These accounts are better suited for long-term investing rather than short-term savings. 

1Investment Excellence Award, Brokers Ireland, 2014 - 2025. Pension Provider Excellence Award, Brokers Ireland, 2014 - 2025. No awards held in 2020.

2Fund Management Company of the Year 2025 Award, Business and Finance Financial Services Awards 2025

3Pensions and Life Assurance Company of the Year, Chambers Ireland Awards, 2026.

4Annualised performance since launch (11/10/2013 - 01/10/2026): Annual management charges (AMC) apply. The fund returns shown are net of the AMC deducted by Zurich Life in our unit prices. The fund returns are based on an investment in the funds and do not represent the returns achieved by individual policies linked to the funds. These fund returns may be before the full AMC is applied to a policy. Zurich Life, October 2026.

5Funds under management of approximately €52.3 billion, of which pension assets amount to €44.2 billion (as at 30th June 2026).

6Standard & Poor's, January 2026. Zurich Life is owned by Zurich Insurance Company Limited, which has an internationally recognised financial strength rating of AA/stable.

The information contained herein is based on Zurich's understanding of current Revenue practice and may change in the future. 

Warning: Past performance is not a reliable guide to future performance.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in these products you may lose some or all of the money you invest.
Warning: The income you earn from this investment may go down as well as up.
Warning: These figures are estimates only. They are not a reliable guide to the future performance of your investment.