Boosting your ESPS benefits

Additional Voluntary Contributions – or AVCs – are extra payments you can make towards your pension, aside from your main Scheme contributions.

You decide how much you want to pay (subject to limits) and you can start and stop your payments at any time. Your employer collects contributions before your wages are taxed, so you get tax relief immediately.

Your AVCs will be paid into the investment funds you choose from the range available with Standard Life (see below). The value of your AVC account when you retire will depend on the performance of your chosen funds.

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Investment choices

Standard Life (SL) Fund Name	Fund Fact Sheet	SL Fund Code
Standard Life Deposit and Treasury Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=CWR0	G4
SL BlackRock Managed (50:50) Global Equity Pension	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=RY28	JO
SL BlackRock Market Advantage Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=M3WI	MMIK
SL Vanguard Emerging Markets Stock Index Pension	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0I1E	BFAD
SL Vanguard FTSE Developed World ex UK Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0I13	KKFK
SL Vanguard FTSE Developed World Hedged Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/fundFactsheet.aspx?code=n7oo	LPNH
SL Vanguard FTSE UK All Share Index Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0I0V	BFCK
SL Vanguard UK Government Bond Index Pension Fund	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0I0Q	NNNG
SL Vanguard UK Inflation Linked Gilt Index Pension	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0KJT	GGGA
SL Vanguard UK Investment Grade Bond Index Pension	http://webfund6.financialexpress.net/clients/standardlife/FundFactsheet.aspx?type=retail&code=0I1A	BFAE

Please be aware that the value of investments can go down as well as up. You may want to consider seeking independent financial advice before making any decisions about your finances. If so, you can find details of advisers in your local area at www.unbiased.co.uk.

Standard Life

Standard Life are part of the Phoenix Group. More details can be found here https://www.standardlife.co.uk/about

You can also find more information about using Standard Life in the documents below: