Your Pension

It provides you with financial security in retirement and, in some cases, additional flexibility to retire earlier or increase your income when you stop working.

What it offers:

• Salary sacrifice AVCs – additional voluntary contributions (AVCs) made through salary sacrifice can help you save more efficiently, with potential tax and National Insurance savings.
• Flexibility – contributions can often be adjusted to match your financial situation and retirement goals.
• Tax-efficient saving – in many cases, AVCs can be taken as part of your tax-free lump sum at retirement.
• Educational support – resources such as webinars, guides, and one-to-one sessions may be available to help you understand how the scheme works and plan confidently.

Best practices:

• Start early. The sooner you begin making extra contributions, the more time your money has to grow.
• Review regularly. Check your pension statements and adjust contributions if your circumstances or goals change.
• Seek guidance. Use the educational tools provided by your employer or consider professional financial advice for tailored planning.
• Balance priorities. Ensure that increasing contributions still allows you to meet your short-term needs.

Tip: If you are interested in the Benefit, scroll to the bottom of the page. Select Continue to Site to go to your organization’s partner page for this service.