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The 5% Bond Yield Is a Dollar Number for Irish Investors
October 19, 2026
Does deemed disposal apply to bond funds held inside a pension or ARF in Ireland?
No. Deemed disposal, the tax charge every eight years on Irish and equivalent EU funds, applies to funds held personally. Inside a pension, PRSA or ARF, investments grow without tax, and tax only arises on money drawn out.
Should you buy bonds now? If you are an Irish investor and the bond part of your pension or ARF has disappointed for a few years, the 5% yields in the headlines may sound like good news. They are a dollar number. This episode looks at what bond yields actually mean for someone investing in euro in Ireland.
What you'll learn:
• Why the same rise in rates that knocked value off bond funds has improved their future returns
• Why the 5% US Treasury yield is not what a euro investor receives, and what euro yields look like in 2026
• What higher yields mean if you are still contributing, and if you are drawing down an ARF under Revenue's imputed distribution rules
• Why the same bond fund is taxed very differently inside and outside a pension
If you hold bonds in your pension or ARF and want genuine clarity on whether they are doing the job they should, this episode is for you.
🎙️ Full podcast episode and 📖 Blog: http://www.informeddecisions.ie/post/should-you-buy-bonds-now-ireland
📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator
📅 Find out how we work: https://www.informeddecisions.ie/our-process
What are inflation-linked bonds and why do retirees in Ireland hold them?
Inflation-linked bonds are government bonds whose interest and repayment rise with an inflation index. They protect spending power when prices climb faster than expected, which matters with the ECB projecting euro area inflation of 3.0% for 2026.
Disclaimer
The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.
The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share
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