A flexible retirement income solution for your clients

Retirement is a major life transition and for many, it marks the beginning of their “second life.” It’s a time when clients can rediscover what matters to them, explore new passions, or simply enjoy greater freedom and flexibility. 

 An Approved Retirement Fund (ARF) is a flexible post‑retirement option that allows clients to draw income from their pension savings while keeping the remaining balance invested. This gives them ongoing growth potential and control over their retirement income. 

After taking their retirement lump sum (some or all of which may be tax‑free), your client can invest some or all of their remaining pension savings in an ARF. They can set up a regular income and make additional withdrawals as needed. Any remaining balance stays invested, offering continued opportunity for growth.
 

Why recommend a Synergy ARF to your clients?

  • Flexible access to their retirement fund 
  • Tax free investment growth within the fund
  • The ability to pass any remaining value to their estate upon death
  • Access to a broad choice of investment options aligned to their goals and risk appetite

Who can invest?

Your clients can open a Synergy ARF with a minimum investment of €10,000, with the option to top up from €5,000 onwards. A Synergy ARF is suitable for clients transferring funds from: 

  • A personal pension policy
  • A personal retirement savings account (PRSA)
  • Additional voluntary contributions (AVCs)
  • Another ARF
  • A defined contribution occupational pension scheme
  • A buy‑out bond

Investment options

Clients have a range of investment options to choose from, so they can be adventurous or cautious or anything in between. If they’re not sure how they feel about risk, our Risk Profiler could help them decide. They can choose to invest in:

Synergy ARF documents

Find the documents you need for new business, investment options, and servicing in our Literature library.

Useful links

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