For most personal and PRSA pension holders, the Approved Retirement Fund is the most flexible post-retirement option available. Rather than purchasing a fixed income for life, an ARF keeps your pension fund invested and allows you to draw income as you need it — retaining control, flexibility, and the potential for continued growth. The trade-off is that investment risk continues in retirement. PPFS will help you understand whether an ARF is right for your circumstances, how to structure it to manage risk, and how to draw from it in the most tax-efficient way.
“In retirement, would you prefer flexibility — or the certainty of a guaranteed income for life?”
