Additional Voluntary Contributions

Save extra for your pension & pay less tax as you go

Call us on (01) 420 6779

What's an AVC?

AVCs are a flexible way to save a little bit extra for your retirement. You decide how much you pay and you can stop and start whenever you like. To make it even better, you pay less tax so there's more money in your pocket when it comes to your retirement.

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Why should I start an AVC?

You'll lighten your tax bill and increase your retirement savings all in one go

As well as providing you with additional financial security when you retire, payments into your AVC plan entitle you to generous tax relief. Every euro you save in your AVC Plan reduces your income tax bill (subject to Revenue limits).

The example below shows just how much you’ll save in tax relief for every €100 you save, assuming you pay tax at 40%.

·         AVC contribution €100

·         Less tax relief €40

·         Real cost for every €100 invested is only €60

You'll have a bigger pension pot and more options at retirement

An AVC gives you control and more options at retirement. For example, you could decide to spread your savings out over a few years or invest further so you or your family are taken care of. There are Revenue rules but we'll help guide you through these.

You could retire earlier than you originally planned

If you'd like the option to retire early, an AVC could help you do that.

You could take a tax-free lump sum

When you retire you may be able to take part or all of your AVC as a tax-free lump sum. The amount you can take will be based on a number of factors. Don't worry, we'll be there to help you through this.


It's flexible & totally up to you!

You decide how much you pay and you can stop and start whenever you like. To get you started there's a minimum contribution of €50 per month.

AVC Member Guide

This contains full information on tax relief, value for money, changing your contributions, benefits at retirement, how to draw down your AVC - and more! For information on Funds and Strategies, please call us on (01) 420 6766.

How to start an AVC

You can start an AVC with expert advice from a consultant over the phone and face-to-face or without advice by downloading and completing a No Advice AVC application form.

Why choose Cornmarket?

Public Sector pensions are our forté, we know them better than anyone else. We’ve been helping Irish public sector employees since 1972 and we're here to help you plan for your future.

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Frequently Asked Questions

Start an AVC today

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.