Can I ARF (Approved Retirement Fund)?

The ARF facility is available to all members of DC arrangements. This means that DC members (who are not proprietary directors) are no longer obliged to buy annuities on retirement.

Following the Finance Act 2021, AMRF plans are no longer required and you can invest directly into an Approved Retirement Fund (ARF) with the balance of your fund after availing of your 25% retirement lump sum.

We recommend our Members take investment advice when considering investment choices. The CERS Trustee preferred financial adviser is Milestone Advisory DAC. You can contact the Milestone Team team or your own financial adviser to assist you to review your investment choices. Milestone Advisory DAC can be contacted via the website (, by post, Linden House, 4 Clonskeagh Square, Clonskeagh, Dublin 14, D14 FH90 or by email (

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