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  • I am thinking of maxing out my AVCs - is there anything I should be aware of besides making sure it still leaves enough in my pay packet?

  • That's what I really need to bear in mind, I guess. It's not like - say - an ISA where you can get at it, if needed.

    How does the tax relief work out? I know I won't be taxed on the contribution because it leaves my pay before tax is calculated, but at the other end when I take my pension it will be taxed then right?

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