Additional Pension Contributions (APCs)
Additional Voluntary Contributions (AVCs)
Buy extra pension for yourself in set amounts
- Pay regularly or as a one-off lump sum
- Maximum extra you can buy is £ 8,568 for 25/26
- Cost depends on how much pension you want, your age, and how long you’ll be paying
- You can’t start APCs while in the 50/50 section
- Medical certificate required (at your expense)
- If you take your pension before your Normal Pension Age, APC benefits will be reduced.
Use the LGPS APC modeller to work out the cost and complete the application form and return it to your employer.
Save more into a separate investment pot, run by our chosen AVC provider.
- You choose how much to pay and how it’s invested
- Payments come from your salary, and you’ll get tax relief on them
- You can take AVCs from age 55 (may be taxed) or at retirement – as a lump sum or regular income
- Our current provider accepting new members is Prudential
- Standard Life is closed to new entrants.