AVCs – Your choice. Your future.
It’s never too soon or too late to think about the difference you could make to your lifestyle later in life
In addition to your main scheme pension, Additional Voluntary Contributions (AVCs) could be just the thing to help your retirement pot go further.
Find out how AVCs could help you. We cover the basics, and all the important details too. AVCs are investment based, so the value can go down as well as up and you may get back less than you put in.Find out more
Case studies - how AVCs could work for you
These case studies show some typical situations, but they don't relate to any particular individuals or circumstances and aren't recommendations or advice. To work out what AVCs could mean for you, use our AVC calculators below.
Christine's had a career break to raise her children and thinks AVCs could help her fill the gaps in her retirement savings.
Frank is close to retirement, but thinks AVCs could give his retirement savings a boost, making his retirement dreams a reality.
Arjun thinks he could use AVCs to potentially retire early, or gradually, without reducing his pension benefits.
Kassie thinks AVCs could be a great way to save so she can help her daughter in the future, either with a student loan or buying her first house.
AVC calculators - what could you get?
Use our AVC calculators to see what different contribution amounts could mean for you.
Now you’re becoming familiar with how AVCs work, use the AVC calculator to see what your monthly contributions could turn into.
AVC top up calculator
Already paying AVCs? Why not use our top up calculator to see what an increase to your monthly contributions could turn into.
To increase or apply for AVCs or for any other information, you should read your Key Features document, your Key Features Illustration and your Fund Guide as these documents have important information about the risks, benefits and charges of the product to help you make a decision. You will find these online if you're already paying AVCs or by contacting your employer/scheme administrator.