Over €2m in your ARF? From that point Revenue's imputed distribution in Ireland jumps from 4% to 6%, and it applies to the whole fund, not just the part above €2m. The better your ARF does, the faster Revenue makes you draw it down. This episode is for anyone approaching or in retirement in Ireland with a large pension, especially if you are within touching distance of the line.

In this episode:

• How the ARF imputed distribution works in Ireland: 4%, 5% and the 6% trigger, valued on 30 November and tested per person

• What 6% really costs after tax, with a fictional couple on 2027 rates, and why the extra income can be taxed at roughly 48%

• Why €2m in your pension is not €2m in your ARF, and the quiet ways people end up over the line, from growth to the death of a spouse

• What you can do about it: phasing PRSAs, two names rather than one, minding 30 November and starting drawdown earlier

If you're near the €2m line, on your own or between you, it is worth a look before the next 30 November.

🎙️ Full podcast episode and 📖 Blog: https://www.informeddecisions.ie/post/arf-2m-cliff-imputed-distribution-ireland

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 Find out how we work: https://www.informeddecisions.ie/our-process