Frequently asked questions about Approved Retirement Funds (ARFs)



Whether you can invest in an ARF depends on what type of pension plan you already have. The option to invest in an ARF will apply if you are using funds from one of the following pension plans:

  • Personal Pension Plan.
  • Company Pension Plan.
  • Additional Voluntary Contribution
    (AVC) plan.
  • Personal Retirement Savings Account
  • Personal Retirement Bond.

Yes. You can make withdrawals from your Royal London ARF as often as you need. If you move your Royal London ARF within five years of the start date then an early encashment charge may apply.

Yes. This will happen if the withdrawals you take (including what we pay to you for the minimum deemed withdrawal) are more than the growth of your fund. This can happen quicker than expected if market conditions are poor.

It is important to realise that the value of ARF investments may go down as well as up and that there is the possibility that you could lose some or all of the
money you invest. Any returns shown are examples only and are not a guide to future performance. Any returns will depend on investment and economic conditions at the relevant time in the future.

You have 30 days to cancel your policy. The 30 days are from the date on the
letter which accompanies your new policy documents. All you need to do is get in touch in writing and we’ll support you through the cancellation process.

More about our ARF

teal man's wallet

ARF Brochure

Funding your next chapter. 

Find out more  about ARF Brochure

Take some advice

We’re big believers in the value of impartial advice to help you enjoy the best possible retirement outcomes. So, if you’re looking to make the most of your pension savings, we’d recommend talking to a Financial Broker.

If you don't already have one, you can find one here.

Ring our Dublin team

for more information:

01 429 3333

Monday to Friday: 8am - 6pm

We recommend discussing your retirement options with your Financial Broker.

They’ll be able to look at your individual circumstances and give you a personal recommendation on how to get the most from your pension savings.

Warning: The value of your 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: The income you get from this investment may go down as well as up.
Warning: These products may be affected by changes in currency exchange rates.
Warning: The payment of a ValueShare award is not guaranteed. The amount of any past ValueShare awards are not a guide to the amount of any future ValueShare awards.