Approved Retirement Funds

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


Approved Retirement Funds

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. If you would like to understand this more fully please read this article.

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

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.


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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.


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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