Additional voluntary contributions (AVCs)
How AVCs can benefit you
AVCs are a tax efficient way of topping up your pension, as follows:
- Contributions are deducted directly from your pay
- You get tax relief on your contributions
- Your fund growth benefits from certain tax reliefs
- Administration and investment charges are competitive
You might want to consider AVCs if:
- You started a pension late in your career
- You wish to retire early
- Parts of your normal earnings are not pensionable, such as overtime
The AVC schemes available to you vary according to which Plan you are in, so to find the right one for you, please choose one of the following:
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