Saving and investing

Save smartly and invest wisely to secure your financial future.


What is saving?

Saving is setting money aside for things you might need in the future, whether it’s an emergency fund, a short-term goal, or a dream holiday. Saving is about creating a financial buffer for unexpected expenses and giving yourself peace of mind. Regular saving, even small amounts, can add up over time.

Savings in the short term focus on goals like new furniture or car repairs. Long-term savings often support bigger goals, like buying a home. Saving builds security and helps you avoid debt when faced with financial surprises. The key is consistency because every bit you save takes you closer to financial stability.

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What is investing?

Investing is a way to grow your money over time. By putting money into shares, funds, or property, you can earn returns that beat inflation. This can help you reach your financial goals. Investing  involves risk, since the value of your investments can go up or down. Investing is about patience and planning, not chasing quick gains. Investing allows your money to work for you. Starting early gives your investments more time to grow.  Start small by investing in diversified, low-cost funds or beginner-friendly platforms. This approach minimises risk while helping you gain confidence and experience as an investor.

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Step towards saving

Start saving today. Use our comparison page to find the right account for you.

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The information prepared above by Bank of Ireland “BOI” is for information purposes only and does not constitute financial or tax advice. You should seek assistance from a professional if you require financial or tax advice. No liability is accepted by BOI for any errors or for any loss to any person in reliance on this information. BOI believes any information to be correct at 26/06/2025 the time of publishing and the information is subject to change without notice. BOI does not make any representations or warranties in respect of the accuracy of this information and is not responsible for the content of external sites. Please refer to our Terms & Conditions for the use of the Bank of Ireland Group Website for further details. Bank of Ireland is regulated by the Central Bank of Ireland.

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