Instantly compare some of Ireland's top retirement funds (ARF's) and see how much the wrong choice could cost you over time
What is an ARF?
An Approved Retirement Fund (ARF) is a post-retirement investment account available in Ireland. Instead of buying an annuity, you keep your pension fund invested and draw an income from it. Your ARF is passed to your estate when you die — but the fund you choose makes an enormous difference to how much income you receive each month.
We compare 27 ARF funds from Zurich, Irish Life, Aviva and New Ireland — Ireland's four main ARF providers — side by side in seconds.
Irish Revenue requires a minimum withdrawal of 4% per year until age 70, rising to 5% from age 70. Our tool applies these rules in every calculation.
The gap between Ireland's best and worst ARF fund can mean €200–€500+ less per month in retirement income on the same pension pot. See your number instantly.
Common Questions
It depends on your pension pot size and how long you need it to last. Higher-return funds deliver more income but carry more volatility. Our tool shows you the trade-off for your specific situation.
We use the sustainable withdrawal formula — the maximum inflation-linked income you can draw each year so the fund reaches exactly €0 at your target age.
Zurich, Irish Life, Aviva and New Ireland — covering 27 funds across all risk levels from Low to High. Fund data updated Q1 2026.
Yes — completely free, no sign-up required. Enter your estimated pension value and see your projected monthly retirement income from all 27 funds instantly.
Based on Revenue rules: you must withdraw at least 4% of your fund each year until age 70, rising to 5% per year after that
Unlock your full results and compare all options side by side.
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Income to age
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| # | Provider | Fund | Risk | Monthly €/mo |
Annual €/yr |
Chance your money lasts to 90 |
Worst-case: runs out at |
Maximum inflation-linked income you can draw each month, with the fund reaching exactly €0 at the target age. Year 1 figure, rising annually with inflation.
Probability the fund stays positive to age 90 across 10,000 simulated market sequences. Takes into account the fund's volatility, not just its average return.
In the worst 10% of market scenarios, when poor returns hit early in retirement, this is the age the fund runs out. A stress test, not a prediction.
The numbers speak for themselves. A regulated Irish financial advisor can guide you through your options and help you make confident decisions — with a free, no-obligation chat.
Free, no obligation. Your details are shared only with a regulated Irish adviser.