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.

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

For more information on our self-directed ARFs

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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.