Self-Directed ARFs
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.