Approved Retirement Funds

If you are a proprietary director, self-employed or if you have an existing PRSA you may be eligible to invest in an Approved Retirement Fund (ARF). Members of Occupational Pension Plans may also qualify to invest in ARF’s.

Through an ARF you can invest in a variety of assets including shares, property, bonds and cash deposits – so the value of your fund will depend on how these assets perform.


  • You can stay in control of your retirement money.
    If your circumstances change you may want to increase or reduce the income you take and an ARF allows you flexibility in this respect.
  • You choose how your fund is invested
    You can select the type of assets your money is invested into, depending on the level of risk you want to take.
  • Tax free growth
    Any increases in the value of your fund are tax-free, although your income from an ARF is taxable.
  • Choice to switch to an Annuity
    If annuity rates are high at a particular time, you can switch ARF funds into an annuity, getting better rates than you might have done at an earlier stage.
  • Investment value passes to your estate
    The value of your ARF passes on to your beneficiaries after death. This is a distinct advantage over conventional pensions, where the value can be eliminated or much reduced.

Product Options

There are a number of providers in the marketplace who offer Approved Retirement Funds (ARF’s) and Kintyre Financial can review your own circumstances to make a recommendation.

See Example > Standard Life offers the Synergy ARF and key features include..

  • Minimum Investment of €10,000 or more
  • 100% allocation up to age 70
  • Extra 1% allocation on investments for €100,000+

Meet and Plan

Please call 01 294 4927 if you would like to arrange an appointment to discuss all the beneficial options available to you.