The Hidden Benefits of the LGPS
Updated: Oct 13, 2025
Let's talk about the Local Government Pension Scheme (LGPS), why it’s so good, and how as an LGPS member you have options to make your retirement even better. We'll go over the value it offers and highlight a fantastic feature that many people don't know about but can seriously boost your pension savings.
The LGPS Advantage:
The LGPS offers its members a range of benefits that make it an attractive pension scheme. These include a secure, index linked retirement income for life. You also benefit from tax relief on contributions, have early retirement options, flexibility in contributions, and robust protection by being a public sector scheme.
Given recent economic challenges, these often-overlooked features reinforce the true value of the Local Government Pension Scheme.
However, there is an additional feature that many members may not be aware of — the Shared Cost Additional Voluntary Contributions (AVC) scheme, and it can make a huge difference to your future financial wellbeing.
Unlocking Hidden Value: Shared Cost AVCs
Ever heard of Shared Cost Additional Voluntary Contributions (AVCs)? This retirement benefit enables you to enhance your pension pot by contributing some of your salary pre-tax – and it’s exclusive to members of the LGPS. It's a way to be a bit smarter with your money and help it go much further for your future.
Due to a reduction in Income Tax AND National Insurance contributions (NICs) on contributions, for regular taxpayers every £1 is boosted by 38%, and if you pay higher taxes, it's an even bigger 72% boost – a simple way to make your money work harder for you.
If it’s flexibility you want, Shared Cost AVCs allow you to potentially retire early and take your pot as a tax-free lump sum when you retire.
Employer Benefits:
Your organisation also wins with this. If you’re an employer in the public sector, not only can you gain from accessing Shared Cost AVCs as an LGPS member, but you can generate valuable savings and better retention by offering the benefit.
The organisation can save money via a reduction in employer NI at 14.3% on the additional contributions made by their employees from their salary, making everyone happy right from the start. It's a win-win situation that helps everyone involved; employees get better retirement options, and the organisation saves at a time when it’s really needed!
If you don’t have access to this benefit as an LGPS member, you are entitled to it – you just need to ask your employer to provide you with access.
If you’re an employer reading this, Shared Cost AVCs can boost the financial wellbeing of your LGPS workforce significantly whilst generating savings for your organisation – and they’re easy to implement.
One of the most valuable retirement benefits out there, Shared Cost AVCs are really worth considering to enhance your benefits package and provide better retirement support for employees in the LGPS.
This guide’s tip about pacing tricky platformer sections really helped me tackle jam bus sandfall level 10—I finally cleared that floating bridge after three tries!
This piece nails how frustrating bot detection can be—especially when legitimate users get flagged. I just ran into that exact issue testing a new auth flow. Turns out, the underlying problem isn’t just CAPTCHAs but flawed assumptions about behavior. no i'm not a human helped clarify what’s actually going on under the hood.
Loved the breakdown of how rhythm and syllable timing affect AI-generated rap flows—super practical. I just tried syncing verses with beat drops using the AI Rap Video tool, and the timing control was surprisingly precise. Great for testing lyrical ideas fast without heavy editing.
This article’s clear breakdown of puzzle mechanics really helped me understand the logic behind the hidden codes—I’d been stuck on Chapter 3 for days. If you’re diving into sally face, the official site has updated walkthroughs and achievement tips that clarified things right away.
Stuck on the bus routing puzzle where lanes overlap near the central junction? I found the cleanest solution by prioritizing passenger pickups before lane unblocking. The walkthrough for bus traffic fever level 10 clarified that timing—thanks for the practical tip!