Pathway Financial Management

08/10/2026

The new Irish Investment Account could change how you save, with a €50,000 tax-free threshold from July 2027.

Budget 2027 brings changes for pay, pensions and gains, with some applying now and most from January. The new account still needs to pass into law, but capital gains tax, exit tax and the eight-year deemed-disposal rule will not apply inside it.

The carousel below has the key numbers, from higher tax credits to the lower 31% CGT rate. Save it for reference.

If you're weighing up the new account, or want to know how these changes affect you, talk to us. Message us here or email [email protected].

Warning: The value of your investment may go down as well as up.
APFM Limited, trading as Pathway Financial Management, is regulated by the Central Bank of Ireland.

11/09/2026

Why are Irish investors talking about "deemed disposal"?

With many funds and ETFs, you can face a tax bill on your gains after eight years, even if you have not sold the investment or taken the money out.

The proposed new investment account would remove that eight-year rule inside the account. It could also give you:

- No minimum annual payment
- No lock-in period
- A tax-free allowance
- Less tax admin, as the provider would handle the account tax

We are still waiting for the tax rate, the size of the tax-free allowance and the annual contribution limit. Those figures are due in Budget 2027 and will decide how useful the account really is.



Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.
Warning: These figures are estimates only. They are not a reliable guide to future performance of this investment.

APFM Limited, trading as Pathway Financial Management, is regulated by the Central Bank of Ireland.

04/09/2026

Passing on a family business starts with two difficult questions: does the next generation genuinely want to run it, and can you afford to hand it over without weakening your own retirement?

A son or daughter may say yes because they feel responsible, not because ownership suits the life they want. If the business represents most of your wealth, an early handover can also shift your own financial security with it.

Tax reliefs may help, but they should sit inside a succession plan built around the people involved. Starting ten years out gives everyone more room to make a sound decision than starting with only one year to go.

Book a free consultation with Pathway Financial Management and we will help you plan the handover properly.

Warning: The value of your investment may go down as well as up.

01/09/2026

Cash can feel like the safest place for your money. The more useful question is when you will need it.

If the money is for something within the next three to five years, keeping it on deposit may make sense. Money intended for longer-term goals faces a different challenge: inflation can reduce what it will buy over time, while waiting also means losing time that could have been spent invested.

That does not mean every spare euro belongs in the market. It means each euro should have a timeframe, with short-term security and longer-term goals planned separately.

Book a free consultation with Pathway Financial Management and we will help you build a plan around your own goals and timeframe.

Warning: The value of your investment may go down as well as up.

28/08/2026

One business owner. The same unit. 18 years of rent.

After that long, buying the premises can feel like the obvious answer. It may be the right one, but price is only part of the decision.

Will the building still suit your business in ten years?
What else could the deposit be doing for you?
Should the property be owned by you, your company or your pension?

Buying can make sense. Work through the full picture before the next lease or rent review forces the issue.

If your lease is coming up, book a free consultation with Pathway Financial Management before you sign.

Link in bio.

Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.
Warning: These figures are estimates only. They are not a reliable guide to future performance of this investment.

21/08/2026

You're a director. The company is doing well. So why are you the one going without?

Most directors we meet are underpaid, and the money they have earned is sitting inside the business. Take it out as salary or dividend and you keep less than half of it. Leave it in and it is still exposed to whatever happens to the company.

There is a third route most people overlook: a company-funded pension. No PAYE on the way in, no corporation tax, and it grows tax-free inside the pension.

Structure matters before the money moves. If you have cash building up in the company, book a free consultation and we will walk you through the options. Link in bio.

Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.

APFM Limited, trading as Pathway Financial Management, is regulated by the Central Bank of Ireland.

06/08/2026

Most people pick an age. Very few pick a number.

"I want to be finished at 60" is one of the most common things I hear. Then I ask what happens between 60 and 66, and the room usually goes quiet.

The State Pension does not start until 66. So if you stop at 60, that six year stretch runs entirely on your own money, before the State contributes a cent. And they are usually the expensive years, because you are healthy, you have the time, and you want to travel.

So we start with the number, not the age. Work out what you need behind you, and the age answers itself.

Book a free discovery call with us and we will work yours out properly.

Link in our bio.

Warning: The value of your investment may go down as well as up.

01/08/2026

30/07/2026

Pathway Financial Management is main sponsor of the golf day tomorrow, Friday 31st of July, out at Rathfarnham Golf Club.

Ballinteer St John's keeps people in each other's company all year round, on and off the pitch. With Anthony and Paul both Ballinteer lads themselves, backing their golf day was an easy call.

We are behind the day itself, and our name is on one of the holes, so come over and say hello if you see us about.

There is a competition running in the clubhouse too. Scan the QR code on the screens to enter and you could win a prize on the day.

Best of luck to everyone playing. Enjoy the day of it.