AVCs - your choice. Your future

New customer looking to apply?

Apply for AVCs

Existing customer looking to increase?

Increase your AVCs

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 Local Government Pension Scheme (LGPS), 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 investments so the value of your fund can go down as well as up so you might get back less than you put in.

An important update on Covid-19 and your investments – please read

Here’s some Frequently Asked Questions about the impact of Covid-19 for our customers – please read

Understanding AVCs

What's an AVC?

AVCs could be just the thing to provide you with extra in retirement.

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Tax savings

Building up your AVC pot could be easier than you think.

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Flexible contributions

Change your contributions to suit your needs and circumstances.

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Investment choices

When it comes to choosing where to invest your AVCs, there's no need to feel overwhelmed. 

Learn more

Flexible ways to take your money

You have a number of options for taking your money. 

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Trusted provider partnership

Prudential is an appointed AVC provider to 74 of 99 Administering Authorities within LGPS. 

Learn more

Investment choices made simple

1. Understand the investment options you may have

Default investment option

if available

If you’d rather not make you own investment choices this option could be for you. If your scheme offers a default investment fund, this may be a single fund or a lifestyle option.

Lifestyle option

if available

This option is for members who want to take more or less risk than the default option. There are a range of lifestyles available which target a specific outcome as you get closer to taking your benefits.

Choose your funds

If you’re comfortable choosing your own funds, you can choose up to ten from the risk rated funds available. This could be a good choice if you’re happy being in charge of your investments and fully understand the risks involved.

2. Read about the funds available to help you decide

  • Check your Fund Guide for more information and to see which of these options are available to you. If you want information on a particular fund, click on the fund name in your Fund Guide to go to the fund factsheet.

  • It’s up to you to decide which investment option is right for your needs. Watch our ‘Understanding your investment options’ video for more information. 

  • These options aren’t a recommendation from Prudential. If you’re still unsure, speak to a financial adviser.

Choose your Fund Guide

Type your Local Government Pension Scheme name into the box below

3. Make a note of your choice

  • You need to choose which investment option you want before you apply. Once you’ve made a decision, write it down so you have it to hand when you apply.

  • And don’t worry, you can change your investment choice at any time in the future – before, or after you’ve applied.

AVCs are investments so the value of your fund can go down as well as up so you might get back less than you put in.

Before you apply for AVCs

It takes approximately 15 minutes to apply, and you can do this by printing off and returning the completed application form or by calling us.

To apply, you need:
  • bullet your payslip
  • bullet your investment choice

View an example payslip

You need to read the documents below before you apply. They have important information about the charges, costs, risks and benefits of the product and the funds to help you make a decision.

To download and save and/or print these documents for future reference, you should ensure that you have a PDF file reader program installed - Adobe has a free reader.

Important information

Prudential has given no advice on this investment. If you’re unsure if this product is suitable, please get financial advice.


I confirm I have read my employer information pack.

You can complete our application form with Acrobat reader. Read instructions on how to do this.

After you've completed the form, you'll need to print it off and sign it before posting it to us at - Prudential, Lancing, BN15 8GB.

Salary Sacrifice Shared Cost AVC plan

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AVC plan

Apply now

Once we've processed your application, we'll post a letter to you with details of the first contribution from your salary. After you've got your confirmation letter you can register to manage your AVC plan online. Take a look at our online account user guide to see how you can get started.

Speak to a Retirement Specialist or apply by phone

You can also start your AVCs by calling our Retirement Specialist Team. They can’t give you advice, but they can help answer any questions you have about AVCs.

0800 032 6674 0800 032 6674

Monday to Friday from 9am to 5pm

To decrease your AVCs or for general enquiries about your existing AVC pot, please call our servicing team on 0345 600 0343. Lines are open Monday to Friday from 8.30am to 6pm.