Key issues
Here are some of the most common reasons why you might need to think about paying AVCs:
- you did not start saving through a pension until later in life
- significant part(s) of your normal earnings are not pensionable, such as overtime
- you had a period when you stopped working (not simply maternity leave) to raise a family or you have had some other long-term career break
- you want to make the most of taking tax-free cash and want to maximise your pension
- you want to retire early and want to make up any reduction in your pension
The Royal Mail Pension Plan includes a number of AVC facilities:
You alos have the option of making your own free-standing arrangement
Find out more about each of these by using the links above or in the menu on the left.