ARF's

I’m retired. I need investment advice to help me sustain my income in retirement

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Approved Retirement Funds (25 second read)

An ARF is a post retirement product which you use to invest your accumulated pension funds and you can opt to take an ongoing income from the fund.

Managing your investment post retirement is fundamentally different to managing it during your younger years because instead of contributing to the fund you are taking an income from the fund, so the mechanics involved are completely different and the implications of high volatility of returns are more severe. A large fall in the value of your retirement assets will be more detrimental for a person who is taking an income from the fund as when there is a reduction in the value of the fund the withdrawal acts to crystallise some of the loss. If you would like to understand this more fully please read this article.

Even if you retired some years ago and have an existing ARF, you may benefit from a review of your arrangements.

Anyone can set up a pension for you. As Specialist Investment Advisers our main focus will be on investment strategy. If you retain us we will advise you on the following;

  • how the various asset classes work and the expected returns from each
  • the risks inherent in investing and methods for reducing risk which are different for an investor who has gone into drawdown (post-retirement) versus a pension saver (pre-retirement)
  • recommended investment strategy for you and, if you are in drawdown, recommended withdrawal strategy taking into account the need to sustain your fund for your desired term

It is especially important to have an adviser who focuses on investment strategy when you are in the drawdown stage and more so at this stage in the economic cycle.

If you are about to retire or already retired and have an ARF, and you don’t have a strategy for managing it, we can help.

 

Contact us today on 01 546 1100 for a no obligation discussion or book a 15 minute video call with us here.

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The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.

ABOUT US

Best Pension Advice is a trading name of Highfield Financial Planning, the most client focused financial services company in Ireland. We provide superior advice on Retirement Planning for all types of pension available in the Irish market. As Specialist Investment Advisers we can also help you to manage the investment of your pension to achieve your income objectives in retirement.

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