The Civil & Public Sector Master Trust

Your Trusted & Tailored AVC Scheme

What is the Civil & Public Sector Master Trust

In 2023, Cornmarket established the Civil and Public Sector Master Trust, a dedicated pension structure designed specifically to meet the Additional Voluntary Contribution (AVC) needs of Civil and Public Sector employees.

As Public Sector finance experts for over 50 years, Cornmarket is proud to provide this bespoke pension solution to over 67,000 members and growing! (Source: Cornmarket, Jan 2026.)

Why is this Master Trust unique?

It was reviewed and approved by The Department of Public Expenditure, National Development Plan Delivery and Reform (DPENDR).

Cornmarket is the leading AVC provider for the majority of Civil and Public Sector unions nationwide.

It helps protect and promote the interests of union members, while simultaneously simplifying and clarifying the role of the employer.

Master Trust Benefits

For AVC Scheme Members

  • Made for you: Specifically created for Civil and Public Sector workers, so it is tailored to your needs and your career.
  • Future-proofed: AVCs are paid as a percentage of your salary to stay in line with your career.
  • Friendly support: Our team offers expert, tailored advice, and online access to view and amend your AVC details.

For Employers

  • Simplified administration: The Master Trust reduces employers’ administrative burden.
  • Trusted & approved: Union-backed, professionally run, and approved by DPENDR.
  • Enhanced communications: Clear, regular updates to employers and members.

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.

We’re here to help you!

To arrange an information session for your workplace, simply contact us by:

Helpful Documents

CPSMT

AVC information for new and existing members of the Civil and Public Sector Master Trust (CPSMT).

View Document

AVC / PS PRSA

Information for new and existing members of the Public Sector PRSA or AVC schemes not in the CPSMT.

View Document

Civil & Public Sector Master Trust Annual Report 2025

The Civil & Public Sector Master Trust Data Privacy Notice

We’re Rated Excellent on Trustpilot!