09/06/2026
Approaching retirement and wondering what to do with your pension fund?
One of the most important decisions you’ll make is whether to choose an ARF (Approved Retirement Fund) or an Annuity.
✅ ARF – Flexibility, control and access to your pension fund.
✅ Annuity – A guaranteed income for life.
Both options have advantages and potential drawbacks, and the right choice depends on your financial circumstances, retirement goals and attitude to risk.
Before making a decision, make sure you understand how each option works.
Read our guide:
https://cfc.ie/arf-annuity-ireland/