Self-Directed ARFs

Quest Retirement Solutions Ltd introduced our self-directed ARF to cater for customers who want to control their own post retirement pension funds. With a self-directed ARF the client, with the help of their Financial Broker, can take control of their fund and can decide where they wish to invest their money.

A self-directed ARF can invest in a range of asset classes such as structured products, deposit accounts, shares in private and public companies, government and corporate bonds, insurance company funds, gold certificates and various property investment options.

family walking with dog at seaside

What is an Approved Retirement Fund? 

An Approved Retirement Fund (ARF) is a post retirement pension, into which you can invest the remainder of your pension fund (Occupational Pension, PRSA, PRB, Personal Pension etc.), after taking your lump sum. An ARF is quite similar to the pension arrangement it came from in that it enjoys the same tax breaks, i.e. it is exempt from Irish Income and Capital Gains Tax on investments. However, after a certain age, currently 61, you have to draw an annual income from your ARF. This income is like salary in that it is liable to income tax under the PAYE regime, i.e. Quest Retirement Solutions Ltd, as the Qualifying Fund Manager, have to deduct income tax and pay the net amount to you . 

 

What is a Self-Directed ARF? 

A self-directed ARF is the same as an ARF except that it provides a wider range of investment options and allows you to control the investment decisions best suited to your appetite for risk. The investment of your ARF funds should be done in conjunction with the advice of a regulated Financial Broker.  

Key Benefits of a self-directed ARF: In Summary

Security

All assets are held off our balance sheet in an individual Unit Trust readily identifiable for you.

Charges

An ARF can be less costly than a traditional pension scheme.

Portable

You can easily move the ARF from one provider to another without having to liquidate assets.

Control

A self-directed ARF allows you to control where your ARF assets are invested. There is a vast range of investments that you can choose from.

Transparency

You can clearly see what assets are in the ARF and what the associated costs are.

Self-directed ARF Documentation

For more information on our self-directed ARFs you can browse or download our documentation below.
ARF Brochure Cover

ARF Brochure

ARF Application Form Cover

ARF Application Form

ARF T&Cs Cover

ARF T&Cs

11 – BOI account opening mandate

Bank Account Mandate

App for Units (Cover)

QRS Unit Trust Application for Units

2 – ARF Checklist

ARF Setup Checklist

QRS Terms of Business 2022 Cover

General Terms of Business

For more information on our self-directed ARFs

Choose from one of the following options:

Document Store

Click here to access all of our self-direct ARF documentation

Phone & Email

To talk to any member of the team you can contact
Tel: 045 88 22 81
Email: info@qrsl.ie

Find a Broker

We do not deal with the public directly.
To find a Financial Broker in your area, please click here

Please note that the provision of this product or service by Quest Retirement Solutions Ltd does not require licensing, authorisation or registration by the Central Bank and, as a result, it is not covered by the Central Bank’s requirements designed to protect consumers or by a statutory compensation scheme.