Start an AVC today

From just €12.50 per week

Call us on (01) 420 0937

Create your ideal future with an AVC

An Additional Voluntary Contribution (AVC) is a way to boost your income in retirement.

At retirement you can use the money you’ve invested to buy additional pension benefits* such as:

  • A tax-free lump sum - you may be able to take part or all of your AVC as a tax-free lump sum
  • An investment in an Approved Retirement Fund (ARF) or Approved Minimum Retirement Fund (AMRF)
  • A taxable lump sum
  • Buying ‘missed years of service’ from your employer**
  • An additional pension for you in retirement

Why should I start an AVC?

Tax relief now

If you pay income tax at 40% and contribute €100 to your AVC, then the real cost to you is only €60; because you don’t have to pay income tax on the money you invest

The sooner the better

With compound interest, the earlier you start to save the better off you will be

Retire earlier

The additional income from an AVC can help you fund for an early retirement

You decide how much

You select how much you contribute to your AVC, subject to the minimum of €12.50 per week and a maximum dependent upon your age and salary.


Start & stop

You can start, stop or pause your AVC contributions whenever you like!

How do I take out an AVC?

In one quick phone call, our friendly financial consultants will give you expert advice on whether an AVC is right for you. A little goes a long way, so don’t delay!

Why choose Cornmarket?

We’ve been helping Irish public sector workers since 1972, and so our dedicated experts understand your needs. We can advise how much you need contribute to your AVC in order to have the retirement you want.

*Subject to Revenue rules. **This must be completed prior to retirement.

Warning: The value of your investment may go down as well as up.

Warning: This product may be affected by changes in currency exchange rates.

Warning: If you invest in this product you may lose some or all of the money you invest.

Warning: If you invest in this product you will not have any access to your money until you receive your Superannuation Benefits.