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Paying more to improve benefits

Even if you are a member of a pension scheme or have taken out a personal pension or Personal Retirement Savings Account (PRSA), you should continue to review your pension position on a regular basis. Most people will have scope to pay more into their pension to improve their benefits.

There are many reasons why you may need to consider paying more into your pension:

  • you have less than the maximum pension in your current scheme,
  • you have started saving at a later age,
  • your projected benefits are not likely to be sufficient to meet your needs,
  • you want to provide additional benefits.

Enhancing your retirement benefits

Depending on the type of arrangement you have, there are a number of ways to enhance your benefits...

Additional voluntary contributions (AVCs)

AVCs are contributions that you can make in addition to your normal contributions to an occupational pension scheme...

PRSA as an AVC

If you are a member of an occupational pension scheme in the private or public sector you can make additional voluntary contributions to a PRSA...

Purchase of notional service (PNS)

Civil and public servants who will have less than the maximum 40 years' service can make additional contributions...

Personalise now and find out more...

There is more information that you could learn about planning for retirement in relation to your specific situation.

But first you'll have to tell us more about yourself.