Your Money: From ARF to annuity

If you have a couple of pensions, should you consolidate them into one? This is just one decision you need to make about managing your future pension income, writes Emma Kennedy.

11th March, 2012
Your Money: From ARF to annuity
Life on a pension can mean a whole new financial reality. Photo: Getty

With the state pension giving you just under €12,000 per annum, and even the best pension schemes giving you just half of your pre-retirement income, getting used to living on a pension can mean a whole new financial reality.

But being prepared is half the battle. "An important step in transitioning from a salary to a pension is to gauge in advance what income may be available in retirement," said Danny Mansergh, financial planning consultant...

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