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An Approved Minimum Retirement Fund (AMRF), is a proportion of an individuals pension pot that under certain circumstances may have to be purchased with a proportion of your pension fund. Similar to an ARF in that a fund or range of funds in which to invest is chosen, but they key difference is that a client only has access to the capital portion of the funds when the sooner of:

  1. Their guaranteed income at retirement is above €12,700 per annum, or
  2. The reach the age of 75, whereby the AMRF converts into an ARF from which withdrawals can be made. Recent amendments to legislation has resulted in access to a maximum of 4% of fund value per annum if required.
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