Irish Pensions and Finance

Public Sector AVCs

HSE – Voluntary Hospitals – County Councils – Government Departments
Civil Service – Defence Forces – AGSI

Whether you are approaching retirement or putting plans in place for your future,  an Additional Voluntary Contribution can be a tax-efficient way to fund extra income for your retirement.

Benefits of joining a Public Sector Group AVC Scheme:

  • Avail of tax relief* and DIRT-free growth to build a substantial fund for your retirement
  • Option for regular / once-off contributions or a combination of both
  • Increase, decrease or cease your contributions at any time
  • Alleviate the gap between your retirement date and receipt of the State Pension.
There are two main options available to you when contributing to AVCs-:

Regular Premiums

When you join the Group AVC scheme, your employer will arrange for your premiums to be deducted directly from your gross pay at source. This means that tax relief on your contributions is arranged directly by your payroll department, with no need to apply through Revenue. 

Single Premium Contributions

It is also possible to submit a lump sum contribution into your AVC. This can be a once off ‘last minute’ contribution just before retirement in order to take advantage of any tax relief available, or can be made at any stage up to retirement.

*at your marginal rate. Subject to Revenue rules.

As with all financial decisions, it is important to consider your objectives and to take into account your current situation. We would always suggest speaking to a Financial Advisor before putting any plans in place.

Book your appointment

Alternatively, you can contact us by phone or email as below. 


We look forward to 

hearing from you.

01 8298500



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