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Additional Voluntary Contributions

AVCs are a way of topping up your NILGOSC pension and can be paid through the in-house AVC provider, Prudential.  You will have your own personal account that, over time, builds up with your contributions and the returns on your investment.  At retirement you can use this AVC fund to buy an additional pension or to increase your lump sum, subject to Scheme and tax limits.

NILGOSC cannot provide advice on investments and it should be noted that the return on these AVC investments depends on the contributions paid, the performance of the investments and on interest rates at retirement. There is no guarantee that any particular level of benefit will be available at retirement.

NILGOSC maintains an AVC Policy which is reviewed on an annual basis.

Further information about NILGOSC’s AVC Scheme, how to set up AVCs and the fund options available can be accessed using the links below:


Further information about AVCs and the NILGOSC AVC Scheme can be found on Prudential’s website*. 

If you require any further information in relation to your AVC fund, the Pensions Administration Team at NILGOSC is happy to help with your questions, but please be advised that NILGOSC staff cannot give you financial advice about your investments. The Pensions Administration Team can be contacted on 0345 3197 325 or by email at