Synergy Approved retirement funds

An approved retirement fund (ARF) can help you live the Second Life you want to lead. Your money will stay invested so that it has the chance to grow, and you can withdraw from your ARF as you need to.

Second Lifer William Harvey

Please turn on javascript to view video


Retirement is not an end, it's the start of something new. 

See William's story.

Who can take out an approved retirement fund?

No matter who your pension is with now, you can choose a Standard Life Synergy ARF if you have one of the following:

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

Why choose a Synergy approved retirement fund?

  • Flexibility to withdraw more or less, as you need it
  • Choice of where you invest your money
  • Remaining value is passed to your estate after you die

An ARF isn’t for everyone. If you think it’s right for you, talk to your financial adviser. You’ll also need to review your ARF regularly to ensure it provides what you want throughout retirement.


Your Investment Options

With Standard Life, you get many investment options, so you can be as adventurous or as conservative as you like.

You can invest in:

Each investment option carries different levels of risk so we recommend that you talk to your financial adviser.


How to get started 

Professional financial advice is one of the best investments you can make. That’s why talking to your financial adviser will get you off to a good start. We recommend it. If you don’t already have one, find one with


Warning: The value of your investment may go down as well as up

Warning: The income you get from this investment may go down as well as up

Warning: If you invest in this product you may lose some or all of the money you invest

Warning: This investment may be affected by changes in currency exchange rates