Straight answers to
fair questions.

Legacy is building, and exploring, a clearer, objective-led way to approach long-term investing in Ireland, for individuals and for children. It is not a live service today.

The best answer to why it exists is the founder's note: read it →

Not currently. Legacy is pre-launch and is not currently authorised or regulated by the Central Bank of Ireland. Launch is subject to the CBI's regulatory perimeter and financial-promotion approval, among other gates.

See our full regulatory status for more detail. We'll update it as our status develops.

No. There is a waitlist only. No account, trust, investment or custody is available today, and nothing on this site is an offer to provide one.

The intended approach: your objective, your willingness and capacity for risk, and your time horizon and circumstances would pass through a deterministic, versioned and approved process to a suitable risk-banded model. You would then accept, decline or revisit it.

Not currently, there is no live product yet. The intended direction is non-discretionary: Legacy would not decide for you or manage discretion over your money. You would always be the one to accept, decline or revisit any suggested approach. This is not a current personal recommendation, and it remains subject to regulatory and legal classification and approval.

Not confirmed for public naming. We intend to offer a small set of risk-banded model options, explained with their risks, costs and documents once available, but the final lineup, providers and fees are not yet decided or published.

An adult personal account, and a child bare-trust account, both intended, both subject to legal, regulatory, provider and operational gates. Trustee and legal detail will be published once approved.

The Irish Investment Account, also called the Savings and Investment Account (SIA) or Personal Investment Account (PIA), is a proposed account announced in Budget 2027: no tax up to €50,000 in value, a flat 1% a year above that, and up to €12,000 a year in contributions, for Irish tax-resident adults aged 18 and over. Accounts are due to open on 1 July 2027, once the Finance Bill passes. The rules for which firms can offer accounts haven't been published yet. Legacy's intended personal account is being built to work with it, not ahead of it. See the full SIA explainer for what was announced and what's still open.

A bare trust is a simple trust structure in Irish law: a trustee (often a parent) manages assets on behalf of a named beneficiary (the child), who becomes entitled to them outright, generally at 18. It's an existing legal structure, not something Legacy invented, we intend to build a guided process around setting one up, but that process is not available today, and this isn't legal advice. See our founder's note on bare trusts for more detail.

The intended direction is that a parent, grandparent or other family member could contribute by standing order or manual SEPA transfer, that part is our intended launch scope. What's not confirmed is anything beyond that: a shareable gift link, social invitations for occasions, or automatic tracking of a tax exemption. We won't promise those as live features until they're built and approved.

Standing order or manual SEPA transfer is the intended funding direction. There is no plan to use Payment Initiation Services (PISP) / Open Banking connections at this stage.

No. Legacy does not provide tax or legal advice, does not automate tax filing, and makes no compliance promises. Any future support here would be evidence-only, not advice, speak to a tax adviser for your own situation.

No. Investing involves risk, and the value of investments can fall as well as rise. We do not publish expected or guaranteed returns.

It's an existing piece of Irish tax law (Section 69, Capital Acquisitions Tax Consolidation Act 2003), not something Legacy created or administers. We mention it for education only. Whether and how it applies depends on your individual circumstances, and tax treatment can change. This is not tax advice: Legacy does not calculate, track or file anything on your behalf, and we recommend speaking to a tax adviser about your own situation.

Our target is 2027, not a guaranteed date. Launch depends on regulatory approval, provider agreements, and legal and operational readiness. Waitlist members will be the first to know as our status develops.

We collect your name and email to keep you updated. Service updates and optional marketing are separate consents you control. See our Privacy Policy for what we collect, why, and how long we keep it, you can ask us to delete your data at any time.

Nothing. It's free, there's no obligation, and it does not open an account or create a trust or financial relationship with Legacy. You can unsubscribe at any time.

Email info@legacyireland.com with a complaint, or a request for accessibility support using this site. A human reads every message and will get back to you.