Additional Voluntary Contributions (AVCs) and Free Standing Additional Voluntary Contributions (FSAVCs) allow additional contributions to be made to a pension. AVCs are added to an existing company scheme, while FSAVCs are a separate personal pension though there is no option to take a tax free lump sum. Contributions to both AVCs and FSAVCs attract tax relief provided they do not breach the overall limit for pension contributions of 15% of salary.

These are likely to be obsolete in 2006 when the new Pensions Act comes into force.