Irish Pensions and Finance

Public Sector AVCs

HSE – Voluntary Hospitals – County Councils – Government Departments
Civil Service – Defence Forces – An Garda Siochana

Irish Pensions & Finance currently administer 140 Group AVC schemes for Public Sector employees. AVC schemes give employees the opportunity to save for their retirement by building a fund to supplement their superannuation scheme benefits. 

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
  • Annual Financial Planning Consultations with your IPF Advisor.
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.

Get In Touch

To discuss joining or setting up a Group AVC scheme, enter your details below and we will be in touch:

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


We look forward to 

hearing from you.

01 8298500



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