Low Cost ARFs

An Approved Retirement Fund or ARF is a post-retirement investment plan, where you can invest all or part of your pension fund after taking your tax-free lump sum. You can make regular withdrawals to provide an income and any monies remaining in your ARF fund after your death can be left to your next of kin, with no PAYE or CAT payable on inheritances between spouses.

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Approved Retirement Funds – ARF Investment Advice

Low Cost Approved Retirement Funds – ARF’s

Approved Retirement Funds (ARF’s) should be transparent, offering maximum investment allocation with a low annual management charge (AMC) to offer you the best long-term value.

Our comprehensive ARF pension advisory services offer a full market comparison to clearly display the best value options to suit your financial requirements. We provide a free initial consultation to advise on your upcoming ARF retirement options or to review any existing Approved Retirement Fund arrangements that you already have in place.

Low Cost ARF Options

Approved Retirement Funds – ARF Charges

There are a number of ways to best set up your Approved Retirement Fund, dependent on your personal circumstances. Our job is to provide the best ARF advice, offering the broadest range of investment choices, with minimum costs, aligned with your personal investment risk profile and long-term financial needs.

When first arranging your ARF, you need to be fully aware of the underlying costs involved, as well as choose the right investment funds to grow your ARF fund over time.

ARF – Reduced Charges with maximum allocation.:

  1. Fund Management Charge: From 0.50% to 0.75% per annum, dependent on the size of your ARF investment.
  2. Investment Allocation: 100%, with possible bonus allocation for higher-level investment.
  3. Financial Advisory Service Charge: up to 0.30% per annum.
  4. Consultation, Comparison & Set-up Cost: €350.00 once-off fee.

Please visit our low-cost ARF blog to learn more about how to ensure the best value for your hard-earned money!

ARF Investment Choice & Security

Approved Retirement Funds – Independent ARF Advice

As a financial broker, we compare the market for the best AFR solutions and offer the broadest range of investment fund options including multi-asset, with-profit, alternative and self-directed options. One Quote Financial Brokers only partner fund managers who have a long-established proven track record and the strongest security ratings.

ARF – Free Audit/Review

Reviewing your current Approved Retirement Funds – ARF/AMRF Audit

  1. Are your underlying investments in line with your attitude to investment risk?
  2. Are the underlying investment charges reasonable and transparent?
  3. Are you kept informed by way of investment reviews and online access?

If you’re unsure, or unhappy about any of these points, as they relate to your ARF/AMRF, talk to us about a free ARF review.

ARF Regular Income Withdrawals

Approved Retirement Funds – making regular withdrawals

An ARF allows you to invest all, or part of your pension fund after you retire. You can decide on the type of fund you would like to invest in together with the amount of risk you’re comfortable with.

With an ARF you can withdraw as much as you wish, should you ever need to, with a minimum annual withdrawal amount that is dependent on your age.

4% of the value of your fund, if you are over 60.
5% of the value of your fund, if you are over 70.

Where an ARF’s fund value is greater than €2 million, the minimum withdrawal will be 6%.

Once you have taken your minimum withdrawal, you can take any additional income as you need it.

Any withdrawals you take from your ARF will be subject to income tax, the Universal Social Charge, and PRSI (if you are liable for this). PRSI is no longer payable after age 66 and the USC rate reduces from age 70. The investment firm holding your investment will make these deductions at the source prior to transferring payments to your bank account.