Irish households have more than €170 billion sitting in savings accounts, much of it losing value day by day. Finance Minister Simon Harris is pushing a new plan to make investing simpler and more accessible. But the question is whether Irish savers are ready to change, or still wary of taking risks with their hard-earned cash. 

On today’s podcast, Ciara Doherty explores why we’re so reluctant to invest — from the legacy of the financial crash to the confusing world of tax rules, ETFs and “deemed disposal”. She’s joined by personal finance expert Sinead Ryan to break down how the proposed scheme might work, what we can learn from past efforts like the SSIAs, and whether trust in investing can take root in Ireland. 

If your money is sitting in the bank, this conversation might make you think twice. 

🎧 Listen to Sineád on The Home Show every Saturday evening on Newstalk or via the GoLoud Player: 

https://www.newstalk.com/shows/home-show-sinead-ryan-834260