Approved Retirement Fund

Harvest Self Administered ARF – Take Control of Your Retirement Income

Approved Retirement fund

The Harvest Approved Retirement Fund (ARF) is a tax efficient post retirement investment fund. It puts you in control of your pension assets and retirement income.

Transfer your pension pot to the Harvest ARF for the following benefits:

  • You have control over where your funds are invested. You can invest in – Direct property and Property syndicates, REITS, International Funds, Direct Shares, Bank deposits and more.
  • You have a competitive and transparent charging structure.
  • Your investment portfolio is designed around your needs and long term objectives.
  • You have a clear picture of the retirement income you can expect from your pension.

What are the Benefits of Approved Retirement Fund ?

  • You have flexibility and control over your pension fund.
  • You can invest in a wide range of assets, with the potential for your pension fund to continue growing.
  • You can choose the level of income you want to take each year from an ARF, subject to a minimum.
  • When you die, your residual fund passes to your Estate.
  • The decision to buy an ARF is reversible ie at a later date an ARF can be used to purchase an annuity ie an income paid by an insurance company . The decision to purchase an annuity is not reversible.

Who can set up a Approved Retirement Fund ?

  • If you are a member of an employer sponsored defined contribution pension scheme or
  • You hold your pension benefits in a Personal Retirement Bond (PRB) (including benefits that have been transferred from a Defined Benefit (DB) scheme) or
  • You are a member of an employer-sponsored pension scheme and have made Additional Voluntary Contributions (AVCs) or
  • You have a Personal Retirement Savings Account or
  • You have a Personal Pension Plan.

Why Chose Harvest for your Approved Retirement Fund?

  • You want a competitive and transparent charging structure.
  • You want an investment portfolio designed around your need and long term objectives.
  • You want a clear picture of the retirement income from your pension.
  • We were awarded Pensions Broker of the Year 2015, 2016, 2017 & 2018 at the Irish Pensions Awards.
  • Investment Broker of the Year 2018 at LPI Awards.

To find out more about our self administered ARF, and a clear picture of what retirement income your pension will provide you, contact us at or on 01 2375500.

What happens to the Approved Retirement Fund (ARF) when I die?

On your death your ARF can be transferred to your spouse / civil partner tax-free who can continue to manage the ARF investments and take withdrawals.

Alternatively your ARF can be left to your children or other persons subject to income and / or inheritance tax which are summarised below.

ARF Pension

 ARF or Annuity – which option might suit you best?

 Income in Retirement

What is a Self Administered Approved Retirement Fund (ARF)?

Approved Retirement Fund