The Scheme provides a number of opportunities for increasing your benefits and those of your family.

The opportunities available to you are:-

• Additional Pension
• Buy Out
• Faster Accrual
• Additional Voluntary Contributions (AVCs)

There’s an overall financial limit to the amount of flexibilities that you can buy. For the most up to date figures, see our updates page. The limits do not apply to the Additional Voluntary Contributions (AVCs).

Increasing your benefits (in any way, including AVCs) could have consequences in relation to the Annual and Lifetime Allowances. Therefore, before you make your final decision it's a good idea to seek financial advice on the possible tax implications of proceeding with your application as exceeding these financial limits can create a tax charge.