Approved Retirement Funds

An Approved Retirement Fund or ARF is a post retirement investment plan, where you can investment all or part of your pension fund after taking your tax-free lump sum on retirement, including early retirement.You can make withdrawals as you require and any money remaining in the fund after your death, can be passed on to your next of kin.

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ARF FAQ's
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Approved Retirement Funds – ARF Investment Advice

Low Cost Approved Retirement Funds – ARF’s

Approved Retirement Funds (ARF’s & AMRF’s) should be transparent offering maximum investment allocation and low fund manager charges (AMC) to offer you the best long term value and aid in maximising your investment returns as well as better sutaining your fund.

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 in place.
 

ARF Low Cost 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.

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

AFR – Reduced Annual Management Charge:

  1. Annual Management Charge: From 0.50% dependent on the size of your ARF investment.
  2. Investment Allocation: 100%, with possible bonus allocation for higher-level investment.
  3. Optional Retained Advisory Fee: 0.00% – 0.25% dependent on your need for ongoing advice.
  4. Set Up Costs: Nil where retained €150.00 per hour otherwise.

Please visit are low cost ARF blog to learn more about how to ensure 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. OneQuote.ie, 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 OneQuote.ie, for 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 which 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.

For the lucky few, where their 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). The investment form holding your investment will make these deductions at source prior to transferring payments to your bank account.

An AMRF is treated slightly differently. The maximum income you can take is 4% of your AMRF each year.

 

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