
Thinking about the future

Your AVCs are one part of your plans for later life income. You should also be taking into account the benefits that are provided by your scheme as a whole.
It's also worth keeping track of your state pension entitlement and understanding how much you could receive and when that will come into effect. It's also important to make sure if any of your plans change, you understand how these will impact your retirement goals.
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You should think about what your income will be at your chosen retirement age and how long it will need to last.

Find out about the State Pension, where you can go for more information and how much you might get when you reach your State Pension age.

You may realise that you’re not ready to retire yet. Find out what to do if your retirement plans change.