With personalised guidance and expert input behind every answer, Max is there day or night, because money worries don’t stick to office hours.
John Smith | HR manager at Birmingham City Council
Shared Cost AVCs give public sector workers the retirement they deserve.
Nearly a million employees are already saving more, paying less tax, and retiring sooner.
Set up a Shared Cost AVC
Smaller tax bill foremployees and employers.
A Shared Cost Additional Voluntary Contribution (AVC) works through salary sacrifice, reducing employees’ taxable income.
A lower taxable salary means lower Income Tax and National Insurance payments, for both employees and employers.
Bigger pension pots.
The tax and NI saved goes straight into the employee's pension pot.
So a £100 contribution actually adds £137. That's a 37% instant boost that would have otherwise gone to HMRC.
Retire earlier, with more money.
The funds can be accessed from age 55, compound over time, and can be taken as a 100% tax-free lump sum, giving employees a richer, more flexible retirement.
Set up a Shared Cost AVC