Remember, active members of the KPS-MP can pay more into their Retirement Account in the form of Additional Voluntary Contributions (AVCs). AVCs will be treated in the same way as your Member Contributions, added to your Retirement Account and invested in the same way.

AVCs can be a fixed monetary amount and/or a single one-off payment (perhaps from a bonus) offering flexibility because you can stop, start, increase, reduce or change your AVC payments at any time.

If you contribute via SMART Pensions then your AVCs will be paid the same way. This means you will receive the same benefits from a tax and National Insurance perspective of a bonus sacrifice. Please see the SMART Pensions page for more details or try the  The Kingfisher SMART Pensions Calculator

Remember, if you do not wish to pay a fixed monetary amount you can always increase your contribution percentage too.

Should you wish to make an AVC payment or change the contributions you pay into the KPS-MP please complete a Change of Contributions form. You may change your contributions at any time.

For more information on AVCs please see the Additional Voluntary Contributions page.