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Increasing benefits

There are a number of ways you can provide extra pension benefits, on top of the benefits you are already expecting to receive as a member of the Local Government Pension Scheme (LGPS). You receive tax relief on the contributions you pay.

You can combine any of the options.

Increasing pension in the LGPS

Additional Pension Contributions (APCs)

You pay additional contributions into the LGPS to purchase extra LGPS pension. View information about APCs.

Additional Voluntary Contributions (AVCs)

You pay additional contributions to one of our in-house AVC providers which includes an option to purchase extra LGPS pension. View information about AVCs.

Increasing pension outside of the LGPS

Free Standing Additional Voluntary Contributions (FSAVCs)

You pay contributions into a provider of your choice. FSAVCs are not connected to the LGPS. View information about FSAVCs.

Personal or stakeholder pension plan

You pay contributions into a pension arrangement of your choice. View information about personal or stakeholder pensions.