Additional Voluntary Contributions (AVC)


This is a voluntary additional contribution from your salary to your RSA, if your regular pension contribution will not be sufficient to meet your personal retirement goals. The funds will also be invested on your instruction, ensuring your money works harder for you.

Please note that you do not need to open a separate pension account or fill any additional forms as this contribution would be made directly to your already existing pension account. All you need to do is notify your employer of your intention to make AVCs.

Time frame for withdrawal from AVC account shall be once every 2 years. 50% shall be treated as contingent available for withdrawal within the stipulated time frame of every 2 years while the balance of 50% shall be fixed for pension and utilized at date of retirement to augment the contributions retirement benefit. 

Below are steps you should take to start your AVC today:

    • Decide on an amount that is convenient for you to contribute in addition to your pensions. Say for instance in saving up for a project, how much you need for the project and how much you need to contribute periodically to meet up that amount of money.
    • Notify your employer to include the agreed, additional amount to your pension contribution on a stipulated, periodic basis, (monthly, quarterly or biannually, etc).
    • Monitor your contributions online and in our quarterly statements.




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