Flexible contributions

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

That's why you have the flexibility to

  • increase or decrease your contributions
  • stop if you need to and restart when you want to, and
  • make regular and/or lump sum contributions.
If you reduce or stop your contributions, it'll affect how much money you eventually have and you'll still pay charges.
 
Read your current Key Features Document and Fund Guide which have important information about the charges, costs, risks and benefits of the product and the funds to help you make a decision.

Your contribution amount

There’s no minimum contribution amount.

You can pay in up to 100% of your pensionable pay each month after deductions (such as National Insurance and your NHS pension scheme contribution) are taken. This is subject to scheme and tax allowances.

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More information

Your NHS AVC

Here's a reminder of how AVCs work, so you can decide if changing your AVC contributions is right for you.

Tax savings

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

Changing your investment

There’s no need to feel overwhelmed, when it comes to reviewing your AVC pot.

Flexible ways to take your money

You have a number of options to choose from when you decide to take money from your AVC pot, which you can currently do from age 55 (57 from 6 April 2028, unless you have a protected pension age), or possibly earlier if you're in ill health.

Trusted provider partnership

Prudential is an international financial services company, and long established provider of life insurance and pensions in the UK.