Additional Voluntary Contributions (AVCs)

What are aVC’s?

AVCs (Additional Voluntary Contributions) are extra payments you can make into your pension fund on top of your regular pension contributions. They're most commonly used by employees in public service superannuation and occupational pension schemes (especially public sector workers), but can also apply to some private schemes.

Every tax payer has a limit they can invest in their pension, based on age and salary. We can identify this limit for you and ensure your contributions are maximized.

Why consider an AVC?

Tax Relief:

You get income tax relief on AVCs at your marginal rate (up to 40%), just like regular pension contributions.

Flexible Contributions:

You choose how much to pay and how often. Either regularly or once at the end of the tax year.

Investment Options:

AVCs are invested and grow tax-free, just like other pension savings.