At Lynx Financial Services, we recently met with a long-standing client who retired back in 2007. At the time, they were faced with a key decision –  take out an Annuity or opt for an Approved Retirement Fund (ARF).

After careful advice and consideration, they chose an ARF.

They retired with a pension pot of €172,000. Since then, they’ve drawn down over €130,000 in pension income – funding their retirement lifestyle for the past 15+ years.

And the best part?

Their ARF still holds €178,000 today.

If they had chosen an annuity instead, their income over the years would have been similar – but the value of their pension would be gone. Nothing left for their family. No legacy.

Because they chose an ARF:

  • They had flexibility and control over withdrawals.
  • They benefited from investment growth during retirement.
  • And when they pass away, the remaining value of the fund will go to their loved ones.

Do You Know What You’ll Do When You Retire?

If you’re approaching retirement, it’s vital to understand your options. The right choice depends on your personal circumstances: your goals, risk tolerance, income needs, and whether you want to leave a financial legacy.

Our experienced team at Lynx Financial Services can help you explore:

  • Annuity vs ARF : which is right for your stage of life?
  • Tax implications of each route.
  • Income planning that works for today and tomorrow.

Planning for Today, Tomorrow and the Unexpected

At Lynx Financial Services, we believe financial planning shouldn’t be complicated or overwhelming. That’s why we take a personalised, straightforward approach, helping you save for today, tomorrow, and the unexpected

No jargon. No hidden fees. Just clear, honest advice tailored to your goals.

Whether you’re looking to grow your investments, plan for retirement, protect your family, or secure the right mortgage, our expert advisors are here to guide you every step of the way

Your financial security is our priority, and as a member of Brokers Ireland, regulated by the Central Bank of Ireland, you can trust that you’re in safe hands.

 Get in touch with us for a no-obligation chat.

 

 

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