If you are looking to build a bigger, more flexible retirement pot alongside your LGPS pension, you have two options:

  • additional voluntary contributions (AVCs)
  • additional pension contributions (APCs)

Both help you increase your retirement income, but they work in different ways. This page explains how they work, how to start, and what happens when you retire.

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Additional voluntary contributions (AVCs)

AVCs give you a flexible, tax‑efficient way to save more money into your LGPS pension. 

Learn more about AVCs
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Additional pension contributions (APCs)

APCs allow you to buy an extra guaranteed amount of annual LGPS pension, paid at the same time as your main benefits. 

Learn more about APCs
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Other ways to save

There are many other ways to save for your retirement.

Learn more about saving
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Decreasing payments

The LGPS 50/50 section offers you the flexibility to pay half your normal contribution rate and build up half your normal pension whilst retaining full life and ill-health cover. 

Learn more about the 50/50 section