Bedfordshire Pension Fund Website

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Additional Voluntary Contributions

You can pay Additional Voluntary Contributions (AVCs) into an investment fund managed by an insurance company or building society and you can then use the fund to provide additional pension benefits. 

More information is available in our guide to building up extra savings (PDF 2MB)



Prudential is approved to provide the in-house AVC service for members in the Bedfordshire Pension Fund.  You can contact Prudential on 0800 434 6629 for advice regarding AVCs or you can visit  Prudential's website now enables members to either start or increase their AVC online.


Early Exit Charges: Prudential has announced that from 3 December 2018 has ended its 1% early exit charges (for members accessing their AVCs within three years of their first contribution).  The charges had already stopped  for new joiners from March 2017 and now they will be discontinued in all cases. 


Standard Life

For members who started paying AVCs before January 2010 and are paying AVCs to Standard Life, the existing arrangement with Standard Life is continuing. 

You can contact Standard Life on 0845 60 60 047.