Increase your Additional Voluntary Contributions if you'd like the chance to retire early or retire with more money

Existing customer looking to increase?

Increase your AVC pot

New customer looking to apply?

Apply for an AVC plan

How often do you check your Additional Voluntary Contribution (AVC) pot?

Whatever you want to do when you stop working, make sure you’re on track to secure the kind of lifestyle you want.

Give yourself a reminder of 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

Your AVCs

Your AVCs

Your AVCs could provide you with extra in retirement.

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Tax savings

Adding to 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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Changing your investment

Check your investment choices online and switch whenever you want to.

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Flexible ways to take your money

You have a number of options for taking your money.
 

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Trusted provider partnership

Prudential has been helping NHS members save for their retirement since 2001.

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Investment choices made simple

1. Understand the investment options you have available

Default investment option

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

Lifestyle option

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


  • Review your current investment choice, and if you’d like to change it, read your Fund Guide. This will give you more information about the funds available. 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.

3. Make a note of your choice

  • Once you’ve made a decision, write it down so you have it to hand. You can change your investment choice online or by calling 0345 600 0343 Monday to Friday between 8.30am and 6pm.
  • And don’t worry, you can change your investment choice at any time in the future.

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 increase your AVCs

It takes approximately 10 minutes to increase your AVCs, and you can do this online or by calling us.

To increase, you need:
  • bullet your payslip
  • bullet your investment choice
You need to call us if:
  • bullet you want to make a one-off contribution by cheque or through your pay and aren't paid monthly
  • bullet you want to contribute more than 80% of your gross regular pensionable pay or exceed the £40,000 annual allowance

View an example payslip

You need to read the documents below before you increase. 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.

Ready to increase your AVCs?

Our online form is secure. Once you start this application, any data you enter will be temporarily stored by Prudential and its business partners. The data will be deleted if you don’t submit the form, unless you’ve asked us to contact you to help you complete it.

 

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Once you've increased your AVCs, you'll receive a confirmation email. Remember you can go online to manage your AVC plan. Take a look at our online account user guide to see how you can get started.

Speak to a Retirement Specialist to increase your AVCs by phone

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

0800 640 9145 0800 640 9145

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.