DiscoverInformed Decisions Independent Financial Planning & Money PodcastAnnuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?
Annuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?

Annuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?

Update: 2025-11-03
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Description

If you're retiring in Ireland with around €1 million in pension savings, one of the biggest questions you'll face is whether to take income from an ARF (Approved Retirement Fund) or to buy an annuity.

In this episode, I break down both options in plain English — what they mean, how they work under Irish tax rules, and which might suit your lifestyle and risk appetite.

Key Points:

What's an ARF?

What's an Annuity?

Typical Income from a €1m Pension

Taxation

Pros and Cons

 

I hope it helps

 

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Annuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?

Annuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?