Logo Login Login Register Search Pensions Investments Where to invest News My Standard Life Our Pension products Synergy Approved retirement funds Synergy Approved retirement funds An approved retirement fund (ARF) can help you live the Second Life you want to lead. Your money will stay invested so that it has the chance to grow, and you can withdraw from your ARF as you need to. See video transcript Retirement is not an end, it's the start of something new. See William's story. Overview Your investment options How to get started? Who can take out an approved retirement fund? No matter who your pension is with now, you can choose a Standard Life Synergy ARF if you have one of the following: A personal pension policy A personal retirement savings account Additional voluntary contributions Another ARF A defined contribution occupational pension scheme A buy out bond Why choose a Synergy approved retirement fund? Flexibility to withdraw more or less, as you need it Choice of where you invest your money Remaining value is passed to your estate after you die An ARF isn’t for everyone. If you think it’s right for you, talk to your financial adviser. You’ll also need to review your ARF regularly to ensure it provides what you want throughout retirement. Investment Choice Document downloads Second Life guide Synergy ARF Application Synergy ARF Key features Investment Options Guide Warning: The value of your investment may go down as well as up Warning: The income you get from this investment may go down as well as up Warning: If you invest in this product you may lose some or all of the money you invest Warning: This investment may be affected by changes in currency exchange rates Pensions Pensions and retirement Your retirement Our Pension products Compare pensions Annuity Synergy Approved retirement funds Synergy Buy Out Bond Synergy Personal Pension Synergy PRSA Synergy Executive Pension There's a lot to look forward to Have a question? FAQs Contact us Your account Login Register Connect with us Pensions Pensions FAQs Choosing the right pension Combining your pensions Your retirement Our Pension products Having enough money when you retire Investments Savings and investments Our savings and investments products Savings and Investments FAQs Your options Deposits MyFolio Funds Stockbroking Direct Property Risk questionnaire News Standard Life and Phoenix Group Media contact Careers Community involvement My Standard Life Information for existing customers With Profits Investments About us Privacy Policy Cookie Policy Legal information Accessibility Modern slavery statement Solvency Reports © 2021 Standard Life Aberdeen Website brand and provider details This site features Irish products provided for residents of the Republic of Ireland by Standard Life International dac. Standard Life International dac is regulated by the Central Bank of Ireland. Standard Life International dac is a designated activity company limited by shares and registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin D02 F653. © 2021 Standard Life. All rights reserved. We use strictly necessary cookies when you visit our website to give you the best experience possible and to keep things secure. We’d also like your consent to set other cookies to help us improve our website and to tailor the marketing you see. Manage cookies Decline all Accept all