Probably worth asking about your pension plans and if you are maxing out your AVC's there. Some, including myself, would suggest maxing your AVC before investing into equities yourself.
Only thing that pops out is why such a high concentration on one stock index, Germany?
Taxes and fees are the biggest drain on investments. AVCs can be contributed to a pension from your gross salary. You are investing with Degiro from your net (after tax) salary. It's a much less efficient (i.e. more expensive) way to invest.
I am investing with Degiro for expenditure that will be due before retirement but not in the short or medium term.
There's no guarantee I'll be living in Ireland beyond next year, so I'm not sure how taxes work in this case. I plan to go live abroad in Asia, so after the current tax year, I will be paying tax abroad not in Ireland.
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