Understanding Your Retirement Options

Before you finalize your decision on which options to choose when accessing your Pension, you will need to understand and give careful consideration to the following:
  • How do you maximize your Tax Free Lump Sum entitlement
  • How much income you will get from your pension each week/month?
  • How long will your pension income last?
  • What happens to your pension if you die?
  • What income tax will you pay on your pension income?

At this point, you may even have received communication from your pension provider requesting you to complete a form which asks you how much ‘Tax Free Cash’ you wish to receive and also asking you to choose between an’ Annuity’ or Approved Retirement Fund (ARF). It is very important that you select the right options, particularly with reference to the above considerations.

Terms such as ‘Tax Free Cash’, ‘Annuity’, ‘Approved Retirement Funds (ARF) are issues we deal with every day, and we understand what these options really mean for you and your family.

Before making any decisions, it is crucial that you understand what the full long-term implications of each of these options means.

These decisions are very specific to you and to your personal needs and circumstances.

For information, please call Joanne on 01 5267770 or 053 9110380.

Alternatively, fill in the form and we will contact you by phone or email to see if we can help.

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    "I had a number of pensions that I was ready to drawdown but I was very confused as to how I should do this, and what I needed to do. ARF Ireland took control of the process for me and dealt with my existing pension providers to get me my tax free lump sum from the pension, and also set up my ARF & AMRF."


    "As a conservative investor, ARF Ireland created an ARF investment portfolio for me that gives the potential for reasonable growth during periods of financial market highs but also protects me from periods of market turmoil…they have also always fulfilled their initial promise to me to review my ARF with me on a regular basis."


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