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For members of the Local Government Pension Scheme in England and Wales

Other ways to increase your retirement income

Free Standing Additional Voluntary Contributions

These are similar to in-house AVCs but are not linked to the LGPS in anyway. With Free Standing Additional Voluntary Contributions, you choose a provider, usually an insurance company. You may want to consider the different charges, alternative investments and past performance when you do this.

Personal or stakeholder pensions

You can pay into a personal pension plan or stakeholder pension scheme at the same time as paying into the LGPS. With these arrangements, you choose a provider, usually an insurance provider. You need to consider their charges, alternative investments and past performance when you choose.

You may wish to obtain independent financial advice before starting any sort of additional pension savings.


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