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Shared Cost AVCs give Local Government workers the retirement they deserve.

Nearly a million employees are already saving more, paying less tax, and retiring sooner. 

Set up a Shared Cost AVC
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Smaller tax bill for employees and employers.

A Shared Cost Additional Voluntary Contribution (AVC) works through salary sacrifice, reducing employees’ taxable income.

A lower taxable salary means lower Income Tax and National Insurance payments, for both employees and employers.

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Bigger pension pots.

The tax and NI saved goes straight into the employee's pension pot.

So a £100 contribution actually adds £138.75. That's a 38% instant boost that would have otherwise gone to HMRC.

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See the difference a

Shared Cost AVC makes.

Let's look at the numbers. Here's how a £250 monthly contribution affects a £30,000 salary.

£250
contribution		 £250
contribution		 £0
contribution
Monthly salary pre-tax £2,251 £2,500
Income Tax paid £208 £258
National Insurance paid £96.28 £116.20
Total tax relief £69.92 £0
Cost to take-home pay £180.08 £0
Added to retirement pot £250 £0

Up and running in 10 minutes.

Getting set up is simple with our online portal.

1
Employee applies

They enter a few key details and choose their investment fund.

2
Employer approves

They're notified instantly and confirm the request with a single click.

3
Contributions run automatically

Taken through payroll every month and easy to amend any time.

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Retire earlier, with more money.

The funds can be accessed from age 55, grow through compounding, and a portion can be taken as a tax-free lump sum, giving employees a richer, more flexible retirement.

Set up a Shared Cost AVC

Employers, ready to give your team
the retirement they deserve?

Setting up your organisation is straightforward, with 
no joining or monthly fee. 

Talk to the team