Additional Voluntary Contributions (AVCs) in the Local Government Pension Scheme

When you pay Additional Voluntary Contributions (AVCs), you build up a pot of money which is used to provide benefits on top of your LGPS benefits. AVCs are taken directly from your pay before your tax is worked out, so if you pay tax, you receive tax relief automatically.

All local government pension funds have an arrangement with an AVC provider that you can invest money in – an in-house AVC. The AVC provider is often an insurance company or building society. You have your own personal account and you decide how the money in your pot is invested.

You can pay AVCs if you are in the main or 50/50 section of the LGPS.

*You can pay up to 100% of your pensionable pay into an in-house AVC, minus any usual deductions such as income tax, NI contributions and LGPS Contributions. 

Tax relief is available for APCs, AVCs and LGPS members regardless if you are in the main scheme or 50/50 scheme. 

London Borough of Hammersmith and Fulham Pension Fund AVC provider is Scottish Widows.

Please click on the link below for additional information. 

You can also download and view the AVC guide for further information by clicking on the link below. 

If you would like to discuss your AVC or APC options, please contact us via email on: pensions@lbhf.gov.uk 

**Our specialist team members can offer you guidance regarding your AVC and APC options. 

Scottish Widows