---
title: "Your Pension"
url: "https://terryberry.productfruits.help/en/article/your-pension"
language: "en"
last_updated: "2025-11-28T16:52:55.454Z"
---

# Your Pension

Your pension is one of the most valuable long-term benefits your employer offers.

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.