Approved Retirement Funds


As well as the traditional option of purchasing a Pension, you may also have the option of investing your fund in an Approved Retirement Fund (ARF) or Approved Minimum Retirement Fund (AMRF). The main advantage of an ARF/AMRF is that you will keep flexibility and control over your retirement fund.

What is an Approved Retirement Fund?

An Approved Retirement Fund, or ARF, is an investment plan that allows you to retain control of your retirement fund throughout your retirement years.

You can choose how to invest your ARF, giving you the opportunity to continue to manage your own fund and choose from a wide range of different investment options. Subject to certain conditions, you can make withdrawals from your ARF or draw a regular income from it, as and when you require. Because you own your fund with an ARF, you can leave it to your dependants when you die.

Our Approved Retirement Funds provide an ideal way for you to make the most of the proceeds of your retirement plan throughout the rest of your life.

Are there any restrictions to investing in an ARF?

In order to invest in an ARF, you must have a guaranteed pension income for life of at least €18,000 per annum. or more in payment at the time the ARF begins, from other sources. This can include your State pension benefits (single person rates only), a Pension from an occupational scheme or a Pension bought with the proceeds of another pension plan.

Where a guaranteed pension income is not available, then you must invest at least €119,800 in an approved minimum retirement fund (AMRF) or in an annuity or a combination of both.

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01 8406696 | 087 123 9724



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