Official Government Savings Plans
Are you looking for the absolute certainty of state-backed security? We help you navigate the sophisticated landscape of Irish government savings, ensuring your capital remains 100% protected while outperforming standard deposit accounts.
State Guarantee
Unlike commercial banks, these funds are directly protected by the Irish Minister for Finance. There's no upper limit on the protection of your principal.
DIRT Free Growth
Many of our recommended programmes are exempt from Deposit Interest Retention Tax (DIRT). This means you keep 100% of the interest you earn.
Fixed Term Variety
Flexibility is key. Choose from 3, 5, or 10-year solidarity bonds to match your long-term financial milestones or retirement goals.
Available Products
Fixed-Term Savings Certificates
Ideal for those with a 5-year outlook. These certificates offer a guaranteed return that is completely tax-free. We've seen significant uptake this year as investors move away from volatile equity markets into the safety of state-guaranteed yields.
- Minimum Investment: €50
- Duration: 5 Years
- Tax Status: DIRT Free
Savings Bonds
A shorter 3-year commitment with competitive fixed rates. Simple. Secure. Stable.
Joint Accounts
Official plans can be held jointly or in trust for minors. Perfect for family planning.
National Solidarity Bonds
Designed for those who want to support national infrastructure while securing their own future. These 10-year bonds provide some of the highest guaranteed yields in the official government portfolio. Why settle for bank rates when the state offers more?
- High Yield 10-Year Term
- Support National Projects
- Capital Fully Protected
Yield Calculator
We'll help you calculate the exact DIRT-Equivalent return compared to standard bank accounts.
Trusted by Irish Investors
We've helped over 1,400 clients move their liquid assets into secure, state-backed accounts this year alone.
"Professional, clear, and exceptionally helpful. Moving my savings into the 10-year bond was seamless."
"I was confused about how DIRT applied to different products. The team at Finch & Fálscot Financial broke it down perfectly. I'm now earning a better net return than my previous high-street bank account provided."
Why did we choose Finch & Fálscot Financial? Because their knowledge of government financial legislation is second to none in Dublin.