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How Does An ARF Work & Pension Income ‘Guardrails’ -Podcast 183

informed decisions blog

How Does An ARF Work & Pension Income ‘Guardrails’ -Podcast 183

22nd June 2020

Paddy Delaney



If you are wondering ‘how does an ARF work’, may I suggest we consider instead the question; ‘how should an ARF work’!? Given that your draw-down strategy in retirement will be one of the biggest financial decisions you will make in your mature life, this really is a topic worth doing some homework on.

Unfortunately, ARFs are generally managed in a pretty laissez-faire manner by most providers. They take your money, stick it into a mid-volatility fund and hand you a cheque every month for 4% of the average over the month, and let your hard-earned pot do whatever it will do. There are options.


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