What investment method would you recommend for someone who is a low income earner on 20% tax (by choice- suits work/life balance), late 40s mortgage free, frugal. State savings are quite poor right now, like all savings. I will go with this option if there are no better choices. I’ve seen a lot of U.S. investors start off with index funds and ETF'S but I know we have something here to do with tax on those every 8 years?? Every Irish personal finance investing method seems to benefit those paying 40% tax, what is there for the lower income earner if any? I am an sna (just starting out) so have just begun their single pension scheme and likely to be on 20% tax until retirement as the bands have widened again in the last budget.