The AVC Plan is part of the Scheme and lets you pay extra contributions and in return get additional benefits when you retire.


You can find brief details below and more information, including a fund choices booklet and an application form, is available under "Investing your contributions".

Why would you want to pay more?
AVCs are usually of interest to those members who join the Scheme later in their working life, or who are considering the possibility of retiring early.

We would also advise you to consider discussing your retirement finances with an Independent Financial Adviser (IFA). You can find an IFA near you by going to www.unbiased.co.uk.

How much can you pay?
AVCs qualify for income tax relief at your highest rate, in the same way as your normal Scheme contributions. Some restrictions apply to high earnersYou can pay up to 100% of your gross taxable earnings in each tax year, subject to certain restrictions. 

Downloads

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Download all files in a single zip file
AVC Guide	661.33KB	26/05/2011	Download
Standard Life Investment Choices Guide	197.32KB	16/12/2010	Download