Approved Retirement Funds from PFP Financial Services

You worked hard for your money – make your money work hard for you.

About ARF’s

An ARF is a post retirement contract in which you can invest all or part of your pension fund as a lump sum. You can make withdrawals from your ARF at any time. Your ARF will avail of tax free growth however any withdrawals will be subject to PAYE. On death the value of your ARF would be transferred to your spouse tax free. Any subsequent withdrawals would be liable to PAYE. In order to avail of the ARF options you must have, at retirement, a guaranteed income for life of €12,700 per year. If not you must invest €63,500 in an Approved Minimum Retirement Fund (AMRF). An AMRF is similar to an ARF however you cannot access your fund until age 75.

What are the charges?

There will be no entry charges or bid/ offer spreads. There is an annual management charge being a percentage of the fund. This remunerates the broker, pension provider and fund manager.

When can benefits be taken from an ARF?

You can withdraw funds from your ARF when you require. You may make regular withdrawals or single ad hoc withdrawals from your ARF. The minimum efficient amount to take as income each year is usually 4%. This can be paid annually or monthly. An income of at least 4% is applicable to ARF holders who are 60 or over for the full tax year. Withdrawals may also be taken from an AMRF however the maximum withdrawal is 4% of the AMRF value per annum.

Our Planning Process

  • Listen carefully to your needs
  • Create a detailed financial plan
  • Ensure that the plan works for you
  • Implement the plan with our strategic partners
  • Ensure a tax efficient drawdown of funds

Why Choose PFP Financial Services for ARF’s

  • 100% allocation.
  • Low Annual Management Charges.
  • Excellent Fund Choice.
  • Flexible options to take regular income.
  • Excellent Customer Service.

Our Partners

Approved Retirment Funds Logos

Submit Details for a Quotation