Welcome to your Lothian Pension Fund AVC Scheme

This is an Additional Voluntary Contributions (AVC) Plan provided by Standard Life

What is an Additional Voluntary Contributions (AVC) Plan?

It is a pension plan that allows you to save in a tax efficient way
for your retirement. The plan aims to let you increase the benefits
you receive from your employer’s occupational pension scheme
on retirement.

Find out more

Get startedWhy top up your pension?

To provide you with a tax-efficient way to save for retirement.

To build up a sum of money that will provide you with a pension, or a tax-free lump sum and a smaller pension when you retire.

What does this mean for you?Pension flexibility

Everyone has control over how they take money from their pension.

There’s a minimum age after which you can withdraw money, but pensions are now one of the most tax-efficient and flexible ways to save for the future.

Your payment choicesHow much should you pay?

It's up to you - as long as you meet any minimums set. But remember, paying in a little bit more now could make a big difference when you retire.


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Your pension is normally a long term investment and you usually can't withdraw money until the age of 55 (may be subject to change). As with any investment, the value can go down as well as up, and may be worth less than what was paid in.