How many withdrawals can an AMRF holder make from their AMRF in a year?

• A. 1
• B. 2
• C. 5
• D. Unlimited

Answer: (A)

An AMRF is designed to keep funds invested and preserve the retirement pot, with limited access before you reach certain milestones. The withdrawal rule is simple: you may take only one withdrawal from the AMRF in any given year. This single-withdrawal limit is what keeps the fund growing for longer and aligns with the purpose of AMRFs, which is to defer substantial access until you reach the point where you might convert to an ARF or otherwise access funds more flexibly.

If you needed more frequent access, you’d typically look at converting to an ARF or taking other preserved income arrangements, which have different withdrawal rules. The other options imply more than one withdrawal in a year or unlimited access, which doesn’t fit the AMRF structure.