What is an FSAVC Pension?

At Profile Pensions we like to keep things simple. We try to avoid jargon and speak in plain English. Which is a challenge when we have to deal with acronyms like FSAVC. But OK, here’s our shot…

You probably already know (or a quick Google would’ve told you) FSAVC stands for ‘Free Standing Additional Voluntary Contribution Plan.”

The Additional Voluntary Contribution (AVC) bit means it’s an additional contribution above your standard workplace pension contribution. AVCs are set up alongside a workplace scheme or what we sometimes call a ‘final salary’ scheme. They’re designed to boost your overall pension pot. (And well done you if you are doing that).

Some AVC schemes are administered by your employer. But ‘Free Standing’ AVCs are just that – separate from your workplace pension. They are picked and controlled by you. And you’re not tied into taking your pension with your final salary payment.

If you don’t have an employee pension scheme in place already you can stop reading now.  These should come first before you look at any other AVC schemes. And if you want to start there we’re happy to help. Just call 01772977162.

If you’re thinking of getting an FSAVC pension or shopping around for a better one then you probably already know a lot about pensions in general. And you probably have a good idea of what’s going to work best for you. But, what we can offer you is this…

How can Profile Pensions help?

The expertise and impartiality to make sure you’re getting the best FSAVC pension scheme around. That’s it. Call us and see. It’s free and there’s no obligation to talk about anything else. (i.e. we won’t try and sell you other schemes)

Oh, and if you’re not sure what sort of AVC you have (FSAVC or employer AVC) that’s fine. We get calls daily from people asking which one they have. We’ll be happy to tell you. And even though we don’t deal in AVCs we can tell you where to go next for advice.

We find you the best value pension

Our Pension Professionals track down all your pensions (including lost or missing ones), do a whole market comparison and then talk you through options. At the end of the 40 minute phone call, you can decide on your course of action, with no further obligation to Profile. If you choose to act and switch pension provider, we can take care of everything for you. We promise that there will be no pressure on you to switch.

Read More

Over 11,000 customers have switched £470m of pension savings with us


Design Engineer, likes the outdoors and lives in Darlington.

The advisers are very knowledgeable and if you have questions they are unable to answer at the 
time they always come back in a short space of time. 
I would recommend Profile to anyone thinking of taking out a pension review.


Sonia lives with her husband and stepchildren in Buckinghamshire.

I was particularly impressed with how Profile fed back to me throughout. I have to say I was very happy with their service and how my adviser explained everything in a very straightforward way. He also didn’t put me under any pressure to make changes, so I felt comfortable and confident about trusting his recommendations when it came to transferring my pension.


A milkman from Barham, Suffolk.

Profile advised that I should switch my pension to LV because it had better long-term prospects. I decided to take their advice and move my pension and I’m glad that I did! Profits have climbed nicely since it was opened just a year ago. I’m very pleased!


An IT professional from London

The adviser gave me some of the information that I already knew and he supplemented that with current information about my pension performance, how that compared to the market, what the fees were and other plans and providers and what returns they were getting. I imagined that I’d be given a lot of facts of information, which I was, but in manageable chunks over the course of the call.


Davy works for the Prison Service and lives in Ayrshire.

The yearly updates that I receive from Profile are excellent and understandable. The decision to transfer my pensions via Profile was one of the best decisions that I have made and I wish I had taken the steps years ago.

Our customer reviews

Profile in the press