Investment choices

To help you decide how you want to invest your AVCs, you have a choice of options. These may include:


(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 options

(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 investment and fully understand the risks involved.

  • 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.
  • To find out about your investment options, go online to find your Fund Guide which gives you more information about the funds available, or contact your employer/scheme administrator. And if you want more details about a specific fund, have a look at the factsheet at 'Workplace pension factsheets'.
  • Don't worry, you can change your investment choice any time in the future.

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

More information

What's an AVC?

Additional Voluntary Contributions, or AVCs, are a separate pot of money you can build up alongside your employer’s pension scheme to give you extra retirement benefits.

AVCs and tax savings

One of the reasons you might choose to save for your retirement with AVCs, alongside your main scheme pension, is the tax savings they offer.

How AVCs could help you

It’s important to plan for your future. You may need more money than you think when you retire as.

Existing customers

It’s important to regularly review your AVC pot to make sure you’re on track to achieve the lifestyle you want when you stop working.

Flexible paying in, flexible paying out

Life isn't always as simple as we'd like it to be. Some things take us by surprise and those surprises.