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Local Government Pension with AVCs

Increase your Additional Voluntary Contributions (AVC) if you'd like the chance to retire early, or retire with more money.

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Are you a new customer?

Welcome

Are you looking to change your existing AVC contributions?

Before you change your contributions, please read all key information and important documents in the 'Before you change your AVC contributions' section at the bottom of this page. You'll need access to our online service to make changes. 

New customer looking to apply?

Apply for an AVC plan

Using your Online Service

There are other ways to get information about your policy. For most of our products, you can manage your policy online by logging in or registering for your Online Service. Registration is easy and only takes five minutes - all you need is your policy number. There are a small number of products not currently available online, and these are listed on the registration page.

Register now

How often do you check your AVC value?

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

Give yourself a reminder of how AVCs could help you. We cover the basics and all the important details too. Don't forget though, an AVC plan is separate to your pension plan. So before you change your AVC contributions, check your payslip to see if you have an AVC plan set up.

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

 

Your AVCs

Your AVCs

Your AVCs pot 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 choice 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 is an appointed AVC provider to 72 of 99 Administering Authorities within the LGPS.

Read more

Tools

We have tools to help you estimate the tax you may pay based on your earnings and how much monthly pension contributions could add up to in retirement.

Income tax calculator

This calculator will provide an estimate of how much income tax and National Insurance you may pay, based on your earnings. You can also use it to find out how much tax relief you could get on your pension contributions.

Find out more

Retirement contributions calculator

This calculator shows you how much your monthly pension contributions could add up to in retirement. The figures are only a guide based on the details you enter.

Find out more

Your investment options

1. Understand the different options available to you

Default

(If available)                              

If you’d rather not make your 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 strategy

(if available)

A ready-made investment strategy managed by us, for you. There are different lifestyle options to choose from to suit your retirement plans, but all aim to protect the value of your investment from large fluctuations as you approach retirement.

Manage your own

 

If you’re comfortable choosing your own funds, you can choose up to 10 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. Find out more to help you decide

  • It's important you understand these options so that you're invested in a way that suits your retirement plans. Review your current investment choice, and if you’d like to change it, check your Fund Guide and watch our ‘Understanding your investment options' video for more information. Or if you want information on a particular fund, click on the fund name in your Fund Guide to go to the fund factsheet.
  • These options aren’t a recommendation from Prudential. If you’re still unsure, you should speak to your financial adviser if you have one. If you don't have one, you can search for an independent financial adviser in your area by visiting unbiased.co.uk.

 

Choose your Fund Guide

3. How you’re currently invested

  • How you're invested is up to you. You can change your investment option at any time using our online service. 

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

Keep track of your investments online

Don't forget, our online service allows you to keep track and manage your investments whenever you like. Just login or register if you haven't already, to

  • check your plan value
  • see how your funds are performing
  • monitor your contributions and transactions
  • change (increase, decrease or restart) your AVC contribution (if you have an AVC plan set up)
  • change your selected retirement age
  • change your personal details
  • contact us securely.

Registering also means going paperless, though there are some documents not available online yet, so we’ll continue to send you those in the post while we work on expanding our online documents. If you would still prefer paper then you can switch this back on by updating your preferences.

You can register for our Online Service once you've received your confirmation email or letter confirming your application has been processed.

Before you change your AVC contributions

You must register or log in for our Online Service to make any AVC amendments. 

It takes approximately 15 minutes to change your AVC contributions online.

To change your contributions, you'll need

  • to register and/or login for our online service.
  • your payslip and
  • to confirm your employer and payroll providers name and address along with your pay frequency – if the information you provide is incorrect it may delay us setting up your plan.

 You'll need to call us if

  • you're a local councillor.

View an example payslip

You need to read the documents below before you change your AVC contributions. 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.

Ready to change your AVC contributions?

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.

 

You will have to log in to our Online Service before accessing the application form. 

Change your AVC contributions

If JavaScript has been disabled within your browser, the content and functionality of the online form might be limited or unavailable. Read instructions for enabling JavaScript. We'd also recommend you upgrade to the latest version of your internet browser for an optimal experience.

Once you've changed your AVC contributions, you’ll receive a confirmation email. Remember you can go online to manage your AVC contributions.

Additional support

For general enquiries about your existing AVC plan, call our support team on

Lines are open Monday – Friday, 8:30am – 6:00pm. We might record your call for training and quality purposes. To find out more about how we use your personal data please visit pru.co.uk/mydata.

You can also send us a secure message once you register for our online service.

"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at 5 Central Way, Kildean Business Park, Stirling, FK8 1FT. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company Limited. The Prudential Assurance Company Limited and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc, a company incorporated in the United Kingdom. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.