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Is there not an option to top it up with an Additional Voluntary Contribution? I'm not a financial adviser by any stretch but I know the Railway Pension has the option to top it up with a couple of AVC schemes and would imagine it can't be the only place to offer that.

Naff all accessible at the moment but I'm paying about £400 a month into my pension. Once the loft conversion is done and we decide whether the wife is going to go back to work I'll look into putting some money aside each month. I'm terrible with money as if I have some I will spend it and on...