Changing your investment

There’s no need to feel overwhelmed, when it comes to reviewing your AVC pot. You can check which fund(s) you’re invested in online and decide if you want to change anything. Here's a reminder of the investment choices you have available.

Default

(if available)

If you’d rather not make your own investment choice this option could be for you. The default investment fund 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.

You’ll find more information in your Fund Guide in the 'Your investment options' section of this site. The options available to you are not recommendations by Prudential.

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.

More information

Your AVCs

Here's a reminder of how AVCs work, so you can decide if changing your AVC contribution 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.

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.

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 on 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. We’ve been helping people save money for over 170 years.