What is an AVC? An additional voluntary contribution, or AVC, is a way to save money for your retirement, in addition to your main scheme pension. It could help you to retire early or with more money. AVCs are invested in funds, so they have the potential to grow over time. It also means the value can go down as well as up, and you may get back less than you put in. If you’re a taxpayer you get valuable tax savings on your contributions, as your employer takes them from from your pay before it’s taxed. Tax savings will depend on your individual circumstances, and rules can also change. They're easy to apply for and flexible. You can pay into an AVC regularly or pay a specific amount, and you can change your contributions at any time. With AVCs, you have a number of options for how to access your savings. Currently from age 55, on retirement or earlier, if you’re in ill health. Prudential have helped thousands of employees like you to use AVCs to save for their retirement. We are a trusted provider working in partnership with your main scheme to provide AVCs.