Saving more with BRASS or AVC Extra

Find out how you could save more into your pension

You can save more for retirement by paying Additional Voluntary Contributions (AVCs).

The main AVC arrangement in the Railways Pension Scheme (RPS) is called BRASS.  If you go over the limit you can pay into BRASS, you may be able to apply for another arrangement, called AVC Extra.  You can find out more about both options using the links below. 

My-pension

In this section...

Saving more with BRASS

Find out how you can save more towards your pension with the Scheme's main AVC arrangement, BRASS.

Managing my BRASS 

How to check, and make changes to, your BRASS, including your fund choices, contributions and Target Retirement Age (TRA). 

Saving more with AVC Extra

If you've already paid the maximum limit into BRASS, you could continue saving more with AVC Extra. Find out how. 

Managing my AVC Extra

How to check, and make changes to, your AVC Extra account. 

How investments work 

Understand what happens to the AVCs you pay into BRASS and AVC Extra and the choices you can make.

BRASS fund choices 

Learn more about the different investment options available to you within BRASS.

AVC Extra fund choices 

Learn more about the different investment options available to you with AVC Extra

Fund prices and performance

See how the investment funds are performing and think about whether they're still right for you. 

Fund risk ratings

Learn which funds are low, medium and high risk and why that matters.

Taking my BRASS

Understand the ways you can take the savings from your BRASS pot

Taking my AVC Extra

Understand the ways you can take the savings from your AVC Extra pot