You have built up a pension fund and now you have to decide how best to use these funds to meet your needs in retirement.

A key question for most people is whether to choose an annuity or an Approved Retirement Fund (ARF).

You will probably have the option to take a tax-free lump sum from your pension fund when you retire.

Once you have taken your lump sum, you need to decide what to do with the rest of your pension fund.

You can use the rest of your retirement fund to buy either:

  • an annuity – a pension for life
  • an Approved (Minimum) Retirement Fund (A(M)RF) – an ongoing investment

If you have more than one pension plan, you may be able to opt for a combination of an annuity and ARF.

This is a big decision so we strongly recommend that you obtain independent financial advice about which option would be best for you.

Phone us today to arrange an appointment to discuss your options!

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